{smcl}
{txt}{sf}{ul off}{.-}
      name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table A13.smcl
  {txt}log type:  {res}smcl
 {txt}opened on:  {res}12 Jul 2023, 02:11:54
{txt}
{com}. 
. *********************************
. **** Initial month (October) ****
. *********************************
. 
. reg payment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* if t==14 , vce(cluster customer)
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(91, 9822)       =  {res}     4.57
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1571
                                                {txt}Root MSE          =    {res} 504.56

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}            payment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} 8.159306{col 33}{space 2} 10.70116{col 44}{space 1}    0.76{col 53}{space 3}0.446{col 61}{space 4}-12.81718{col 74}{space 3} 29.13579
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} 46.14157{col 33}{space 2} 13.36344{col 44}{space 1}    3.45{col 53}{space 3}0.001{col 61}{space 4} 19.94648{col 74}{space 3} 72.33666
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}  .270864{col 33}{space 2} .0505232{col 44}{space 1}    5.36{col 53}{space 3}0.000{col 61}{space 4} .1718281{col 74}{space 3} .3698998
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-1.084664{col 33}{space 2} 11.43359{col 44}{space 1}   -0.09{col 53}{space 3}0.924{col 61}{space 4}-23.49685{col 74}{space 3} 21.32752
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .7753701{col 33}{space 2}   .20843{col 44}{space 1}    3.72{col 53}{space 3}0.000{col 61}{space 4} .3668044{col 74}{space 3} 1.183936
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .1433462{col 33}{space 2} .0253047{col 44}{space 1}    5.66{col 53}{space 3}0.000{col 61}{space 4} .0937438{col 74}{space 3} .1929487
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} 17.50368{col 33}{space 2} 2.680108{col 44}{space 1}    6.53{col 53}{space 3}0.000{col 61}{space 4} 12.25012{col 74}{space 3} 22.75725
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-45.17908{col 33}{space 2} 30.74287{col 44}{space 1}   -1.47{col 53}{space 3}0.142{col 61}{space 4}-105.4414{col 74}{space 3} 15.08325
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-12.23372{col 33}{space 2} 32.09163{col 44}{space 1}   -0.38{col 53}{space 3}0.703{col 61}{space 4}-75.13992{col 74}{space 3} 50.67248
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-39.44295{col 33}{space 2} 33.67481{col 44}{space 1}   -1.17{col 53}{space 3}0.242{col 61}{space 4}-105.4525{col 74}{space 3} 26.56659
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2} -55.3998{col 33}{space 2} 31.54038{col 44}{space 1}   -1.76{col 53}{space 3}0.079{col 61}{space 4}-117.2254{col 74}{space 3} 6.425827
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-57.99615{col 33}{space 2} 29.55069{col 44}{space 1}   -1.96{col 53}{space 3}0.050{col 61}{space 4}-115.9216{col 74}{space 3}-.0707256
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-42.76347{col 33}{space 2} 30.94856{col 44}{space 1}   -1.38{col 53}{space 3}0.167{col 61}{space 4} -103.429{col 74}{space 3} 17.90208
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-40.66934{col 33}{space 2} 30.17544{col 44}{space 1}   -1.35{col 53}{space 3}0.178{col 61}{space 4}-99.81941{col 74}{space 3} 18.48072
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-24.95802{col 33}{space 2} 31.86765{col 44}{space 1}   -0.78{col 53}{space 3}0.434{col 61}{space 4}-87.42516{col 74}{space 3} 37.50913
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-39.10909{col 33}{space 2}  33.9165{col 44}{space 1}   -1.15{col 53}{space 3}0.249{col 61}{space 4}-105.5924{col 74}{space 3} 27.37422
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-14.34735{col 33}{space 2} 38.53107{col 44}{space 1}   -0.37{col 53}{space 3}0.710{col 61}{space 4}-89.87617{col 74}{space 3} 61.18146
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-41.23199{col 33}{space 2} 29.60095{col 44}{space 1}   -1.39{col 53}{space 3}0.164{col 61}{space 4}-99.25592{col 74}{space 3} 16.79195
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-18.81625{col 33}{space 2} 40.42478{col 44}{space 1}   -0.47{col 53}{space 3}0.642{col 61}{space 4}-98.05713{col 74}{space 3} 60.42462
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}  5.13995{col 33}{space 2} 35.35164{col 44}{space 1}    0.15{col 53}{space 3}0.884{col 61}{space 4}-64.15654{col 74}{space 3} 74.43644
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-32.22351{col 33}{space 2} 31.07803{col 44}{space 1}   -1.04{col 53}{space 3}0.300{col 61}{space 4}-93.14285{col 74}{space 3} 28.69582
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}-6.005608{col 33}{space 2}  33.5584{col 44}{space 1}   -0.18{col 53}{space 3}0.858{col 61}{space 4}-71.78696{col 74}{space 3} 59.77574
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 387.5552{col 33}{space 2} 292.6759{col 44}{space 1}    1.32{col 53}{space 3}0.185{col 61}{space 4}-186.1499{col 74}{space 3} 961.2602
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} 95.01334{col 33}{space 2} 68.83944{col 44}{space 1}    1.38{col 53}{space 3}0.168{col 61}{space 4}-39.92611{col 74}{space 3} 229.9528
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 59.40549{col 33}{space 2} 42.89823{col 44}{space 1}    1.38{col 53}{space 3}0.166{col 61}{space 4}-24.68387{col 74}{space 3} 143.4948
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 29.31906{col 33}{space 2} 47.33728{col 44}{space 1}    0.62{col 53}{space 3}0.536{col 61}{space 4}-63.47175{col 74}{space 3} 122.1099
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 64.23103{col 33}{space 2}  49.5146{col 44}{space 1}    1.30{col 53}{space 3}0.195{col 61}{space 4}-32.82777{col 74}{space 3} 161.2898
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} 51.18036{col 33}{space 2}  49.8251{col 44}{space 1}    1.03{col 53}{space 3}0.304{col 61}{space 4}-46.48707{col 74}{space 3} 148.8478
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 96.05479{col 33}{space 2} 45.97264{col 44}{space 1}    2.09{col 53}{space 3}0.037{col 61}{space 4} 5.938977{col 74}{space 3} 186.1706
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 82.10892{col 33}{space 2} 44.61577{col 44}{space 1}    1.84{col 53}{space 3}0.066{col 61}{space 4}-5.347153{col 74}{space 3}  169.565
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 46.66351{col 33}{space 2} 41.40049{col 44}{space 1}    1.13{col 53}{space 3}0.260{col 61}{space 4}-34.48997{col 74}{space 3}  127.817
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 56.86896{col 33}{space 2} 42.47172{col 44}{space 1}    1.34{col 53}{space 3}0.181{col 61}{space 4}-26.38434{col 74}{space 3} 140.1223
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} 79.55471{col 33}{space 2} 42.53707{col 44}{space 1}    1.87{col 53}{space 3}0.061{col 61}{space 4}-3.826688{col 74}{space 3} 162.9361
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}  40.0844{col 33}{space 2} 43.24343{col 44}{space 1}    0.93{col 53}{space 3}0.354{col 61}{space 4}-44.68162{col 74}{space 3} 124.8504
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 80.02791{col 33}{space 2} 45.55327{col 44}{space 1}    1.76{col 53}{space 3}0.079{col 61}{space 4}-9.265868{col 74}{space 3} 169.3217
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 56.32679{col 33}{space 2} 42.94579{col 44}{space 1}    1.31{col 53}{space 3}0.190{col 61}{space 4}-27.85579{col 74}{space 3} 140.5094
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 59.91516{col 33}{space 2}   43.501{col 44}{space 1}    1.38{col 53}{space 3}0.168{col 61}{space 4}-25.35574{col 74}{space 3} 145.1861
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} 78.31102{col 33}{space 2} 42.54748{col 44}{space 1}    1.84{col 53}{space 3}0.066{col 61}{space 4}-5.090777{col 74}{space 3} 161.7128
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} 117.1888{col 33}{space 2} 191.1291{col 44}{space 1}    0.61{col 53}{space 3}0.540{col 61}{space 4}-257.4636{col 74}{space 3} 491.8411
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}  21.4731{col 33}{space 2} 169.2191{col 44}{space 1}    0.13{col 53}{space 3}0.899{col 61}{space 4}-310.2311{col 74}{space 3} 353.1773
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} 18.90112{col 33}{space 2}  167.905{col 44}{space 1}    0.11{col 53}{space 3}0.910{col 61}{space 4}-310.2271{col 74}{space 3} 348.0294
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} 46.63441{col 33}{space 2} 170.2414{col 44}{space 1}    0.27{col 53}{space 3}0.784{col 61}{space 4}-287.0736{col 74}{space 3} 380.3425
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} 55.54514{col 33}{space 2} 170.8811{col 44}{space 1}    0.33{col 53}{space 3}0.745{col 61}{space 4} -279.417{col 74}{space 3} 390.5073
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} 27.05202{col 33}{space 2} 170.8539{col 44}{space 1}    0.16{col 53}{space 3}0.874{col 61}{space 4}-307.8568{col 74}{space 3} 361.9608
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-35.70039{col 33}{space 2} 168.3288{col 44}{space 1}   -0.21{col 53}{space 3}0.832{col 61}{space 4}-365.6595{col 74}{space 3} 294.2587
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-12.12784{col 33}{space 2} 167.8343{col 44}{space 1}   -0.07{col 53}{space 3}0.942{col 61}{space 4}-341.1175{col 74}{space 3} 316.8618
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2}-20.58181{col 33}{space 2}  170.337{col 44}{space 1}   -0.12{col 53}{space 3}0.904{col 61}{space 4}-354.4772{col 74}{space 3} 313.3136
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} 11.17873{col 33}{space 2} 167.3606{col 44}{space 1}    0.07{col 53}{space 3}0.947{col 61}{space 4}-316.8824{col 74}{space 3} 339.2398
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} 16.27403{col 33}{space 2} 167.1829{col 44}{space 1}    0.10{col 53}{space 3}0.922{col 61}{space 4}-311.4388{col 74}{space 3} 343.9869
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} 2.635144{col 33}{space 2} 166.7472{col 44}{space 1}    0.02{col 53}{space 3}0.987{col 61}{space 4}-324.2237{col 74}{space 3}  329.494
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 80.61681{col 33}{space 2}  170.373{col 44}{space 1}    0.47{col 53}{space 3}0.636{col 61}{space 4}-253.3492{col 74}{space 3} 414.5828
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-10.85127{col 33}{space 2} 168.3288{col 44}{space 1}   -0.06{col 53}{space 3}0.949{col 61}{space 4}-340.8103{col 74}{space 3} 319.1077
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2} 7.385042{col 33}{space 2}  168.394{col 44}{space 1}    0.04{col 53}{space 3}0.965{col 61}{space 4}-322.7018{col 74}{space 3} 337.4719
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} 30.66599{col 33}{space 2} 167.3289{col 44}{space 1}    0.18{col 53}{space 3}0.855{col 61}{space 4} -297.333{col 74}{space 3} 358.6649
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} 21.85201{col 33}{space 2} 174.4531{col 44}{space 1}    0.13{col 53}{space 3}0.900{col 61}{space 4}-320.1119{col 74}{space 3} 363.8159
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} 28.69643{col 33}{space 2}  168.163{col 44}{space 1}    0.17{col 53}{space 3}0.865{col 61}{space 4}-300.9376{col 74}{space 3} 358.3304
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} 73.59309{col 33}{space 2} 168.2312{col 44}{space 1}    0.44{col 53}{space 3}0.662{col 61}{space 4}-256.1746{col 74}{space 3} 403.3607
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} 3.696219{col 33}{space 2} 168.4101{col 44}{space 1}    0.02{col 53}{space 3}0.982{col 61}{space 4}-326.4221{col 74}{space 3} 333.8146
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 155.4709{col 33}{space 2} 178.9745{col 44}{space 1}    0.87{col 53}{space 3}0.385{col 61}{space 4} -195.356{col 74}{space 3} 506.2978
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} -4.48683{col 33}{space 2} 170.8528{col 44}{space 1}   -0.03{col 53}{space 3}0.979{col 61}{space 4}-339.3934{col 74}{space 3} 330.4197
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-4.399077{col 33}{space 2} 167.6151{col 44}{space 1}   -0.03{col 53}{space 3}0.979{col 61}{space 4}-332.9591{col 74}{space 3} 324.1609
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 119.0234{col 33}{space 2} 177.5519{col 44}{space 1}    0.67{col 53}{space 3}0.503{col 61}{space 4}-229.0149{col 74}{space 3} 467.0616
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} 18.81909{col 33}{space 2} 168.1185{col 44}{space 1}    0.11{col 53}{space 3}0.911{col 61}{space 4}-310.7277{col 74}{space 3} 348.3659
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} 34.85202{col 33}{space 2} 168.7722{col 44}{space 1}    0.21{col 53}{space 3}0.836{col 61}{space 4}-295.9761{col 74}{space 3} 365.6802
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} 144.4775{col 33}{space 2} 182.3978{col 44}{space 1}    0.79{col 53}{space 3}0.428{col 61}{space 4}-213.0597{col 74}{space 3} 502.0147
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} 22.09457{col 33}{space 2}  169.574{col 44}{space 1}    0.13{col 53}{space 3}0.896{col 61}{space 4}-310.3054{col 74}{space 3} 354.4945
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} 39.90164{col 33}{space 2} 174.2884{col 44}{space 1}    0.23{col 53}{space 3}0.819{col 61}{space 4}-301.7394{col 74}{space 3} 381.5427
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} 50.05394{col 33}{space 2} 172.9535{col 44}{space 1}    0.29{col 53}{space 3}0.772{col 61}{space 4}-288.9704{col 74}{space 3} 389.0783
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} 31.14931{col 33}{space 2} 170.9478{col 44}{space 1}    0.18{col 53}{space 3}0.855{col 61}{space 4}-303.9436{col 74}{space 3} 366.2422
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} 45.58056{col 33}{space 2} 170.2707{col 44}{space 1}    0.27{col 53}{space 3}0.789{col 61}{space 4}-288.1849{col 74}{space 3} 379.3461
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} 49.46074{col 33}{space 2} 168.4471{col 44}{space 1}    0.29{col 53}{space 3}0.769{col 61}{space 4}-280.7302{col 74}{space 3} 379.6517
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} 4.275831{col 33}{space 2}  168.355{col 44}{space 1}    0.03{col 53}{space 3}0.980{col 61}{space 4}-325.7346{col 74}{space 3} 334.2863
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} 7.161939{col 33}{space 2} 171.3422{col 44}{space 1}    0.04{col 53}{space 3}0.967{col 61}{space 4}-328.7039{col 74}{space 3} 343.0278
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} 79.47452{col 33}{space 2} 172.1739{col 44}{space 1}    0.46{col 53}{space 3}0.644{col 61}{space 4}-258.0216{col 74}{space 3} 416.9707
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} 22.00104{col 33}{space 2} 167.4635{col 44}{space 1}    0.13{col 53}{space 3}0.895{col 61}{space 4}-306.2619{col 74}{space 3} 350.2639
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} 165.0325{col 33}{space 2} 187.1358{col 44}{space 1}    0.88{col 53}{space 3}0.378{col 61}{space 4}-201.7921{col 74}{space 3}  531.857
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} 81.11362{col 33}{space 2} 171.1467{col 44}{space 1}    0.47{col 53}{space 3}0.636{col 61}{space 4} -254.369{col 74}{space 3} 416.5963
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} 46.69124{col 33}{space 2} 171.2962{col 44}{space 1}    0.27{col 53}{space 3}0.785{col 61}{space 4}-289.0845{col 74}{space 3}  382.467
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} 53.35647{col 33}{space 2} 170.8761{col 44}{space 1}    0.31{col 53}{space 3}0.755{col 61}{space 4}-281.5957{col 74}{space 3} 388.3087
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} 27.07923{col 33}{space 2} 167.5933{col 44}{space 1}    0.16{col 53}{space 3}0.872{col 61}{space 4}-301.4381{col 74}{space 3} 355.5965
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} 88.98456{col 33}{space 2} 173.0755{col 44}{space 1}    0.51{col 53}{space 3}0.607{col 61}{space 4} -250.279{col 74}{space 3} 428.2482
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} 142.3061{col 33}{space 2} 199.3653{col 44}{space 1}    0.71{col 53}{space 3}0.475{col 61}{space 4}-248.4909{col 74}{space 3} 533.1032
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 64.70925{col 33}{space 2} 167.1166{col 44}{space 1}    0.39{col 53}{space 3}0.699{col 61}{space 4}-262.8736{col 74}{space 3} 392.2921
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 83.18544{col 33}{space 2}  170.685{col 44}{space 1}    0.49{col 53}{space 3}0.626{col 61}{space 4}-251.3922{col 74}{space 3} 417.7631
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 85.13598{col 33}{space 2} 190.3607{col 44}{space 1}    0.45{col 53}{space 3}0.655{col 61}{space 4}-288.0101{col 74}{space 3} 458.2821
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 32.71019{col 33}{space 2} 168.8278{col 44}{space 1}    0.19{col 53}{space 3}0.846{col 61}{space 4} -298.227{col 74}{space 3} 363.6473
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}  35.9077{col 33}{space 2} 168.7356{col 44}{space 1}    0.21{col 53}{space 3}0.831{col 61}{space 4}-294.8488{col 74}{space 3} 366.6642
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} 98.93696{col 33}{space 2} 175.7135{col 44}{space 1}    0.56{col 53}{space 3}0.573{col 61}{space 4}-245.4976{col 74}{space 3} 443.3715
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} 74.04096{col 33}{space 2} 194.1527{col 44}{space 1}    0.38{col 53}{space 3}0.703{col 61}{space 4}-306.5383{col 74}{space 3} 454.6202
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-10.39385{col 33}{space 2} 167.8694{col 44}{space 1}   -0.06{col 53}{space 3}0.951{col 61}{space 4}-339.4523{col 74}{space 3} 318.6646
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} 80.58454{col 33}{space 2} 174.2462{col 44}{space 1}    0.46{col 53}{space 3}0.644{col 61}{space 4}-260.9739{col 74}{space 3}  422.143
{txt}{space 14}_cons {c |}{col 21}{res}{space 2}-109.0698{col 33}{space 2} 180.1286{col 44}{space 1}   -0.61{col 53}{space 3}0.545{col 61}{space 4}-462.1588{col 74}{space 3} 244.0193
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg lnpayment1 itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* if t==14 , vce(cluster customer)
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(91, 9822)       =  {res}    19.74
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1268
                                                {txt}Root MSE          =    {res} 2.5392

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}         lnpayment1{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .1597973{col 33}{space 2} .0637243{col 44}{space 1}    2.51{col 53}{space 3}0.012{col 61}{space 4} .0348845{col 74}{space 3} .2847101
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .4151127{col 33}{space 2} .0644409{col 44}{space 1}    6.44{col 53}{space 3}0.000{col 61}{space 4} .2887954{col 74}{space 3} .5414301
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0003214{col 33}{space 2} .0001377{col 44}{space 1}    2.33{col 53}{space 3}0.020{col 61}{space 4} .0000515{col 74}{space 3} .0005913
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.2637073{col 33}{space 2} .0506593{col 44}{space 1}   -5.21{col 53}{space 3}0.000{col 61}{space 4}-.3630099{col 74}{space 3}-.1644047
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0022097{col 33}{space 2} .0007323{col 44}{space 1}    3.02{col 53}{space 3}0.003{col 61}{space 4} .0007742{col 74}{space 3} .0036452
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0001211{col 33}{space 2} .0000321{col 44}{space 1}    3.78{col 53}{space 3}0.000{col 61}{space 4} .0000583{col 74}{space 3} .0001839
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3314454{col 33}{space 2} .0092365{col 44}{space 1}   35.88{col 53}{space 3}0.000{col 61}{space 4} .3133399{col 74}{space 3} .3495509
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.5420467{col 33}{space 2} .1766753{col 44}{space 1}   -3.07{col 53}{space 3}0.002{col 61}{space 4}-.8883666{col 74}{space 3}-.1957268
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.3090701{col 33}{space 2} .1771771{col 44}{space 1}   -1.74{col 53}{space 3}0.081{col 61}{space 4}-.6563736{col 74}{space 3} .0382334
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.5817717{col 33}{space 2} .1882303{col 44}{space 1}   -3.09{col 53}{space 3}0.002{col 61}{space 4}-.9507417{col 74}{space 3}-.2128016
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.4273101{col 33}{space 2} .1808087{col 44}{space 1}   -2.36{col 53}{space 3}0.018{col 61}{space 4}-.7817324{col 74}{space 3}-.0728879
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.5133988{col 33}{space 2} .1782676{col 44}{space 1}   -2.88{col 53}{space 3}0.004{col 61}{space 4}-.8628399{col 74}{space 3}-.1639578
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.2915834{col 33}{space 2} .1857511{col 44}{space 1}   -1.57{col 53}{space 3}0.117{col 61}{space 4}-.6556937{col 74}{space 3} .0725269
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.4915139{col 33}{space 2}   .18696{col 44}{space 1}   -2.63{col 53}{space 3}0.009{col 61}{space 4}-.8579938{col 74}{space 3}-.1250339
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.3411468{col 33}{space 2} .1800694{col 44}{space 1}   -1.89{col 53}{space 3}0.058{col 61}{space 4}-.6941199{col 74}{space 3} .0118264
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.3706523{col 33}{space 2} .1772846{col 44}{space 1}   -2.09{col 53}{space 3}0.037{col 61}{space 4}-.7181666{col 74}{space 3} -.023138
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.4210463{col 33}{space 2} .1815877{col 44}{space 1}   -2.32{col 53}{space 3}0.020{col 61}{space 4}-.7769956{col 74}{space 3} -.065097
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.3560532{col 33}{space 2}  .175468{col 44}{space 1}   -2.03{col 53}{space 3}0.042{col 61}{space 4}-.7000065{col 74}{space 3}-.0120998
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.5697686{col 33}{space 2} .1877035{col 44}{space 1}   -3.04{col 53}{space 3}0.002{col 61}{space 4}-.9377059{col 74}{space 3}-.2018312
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.2067077{col 33}{space 2} .1807773{col 44}{space 1}   -1.14{col 53}{space 3}0.253{col 61}{space 4}-.5610684{col 74}{space 3} .1476529
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.3889336{col 33}{space 2} .1964409{col 44}{space 1}   -1.98{col 53}{space 3}0.048{col 61}{space 4}-.7739982{col 74}{space 3} -.003869
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2} -.255434{col 33}{space 2} .1778763{col 44}{space 1}   -1.44{col 53}{space 3}0.151{col 61}{space 4}-.6041082{col 74}{space 3} .0932402
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2}  1.73889{col 33}{space 2} 1.902091{col 44}{space 1}    0.91{col 53}{space 3}0.361{col 61}{space 4}-1.989599{col 74}{space 3} 5.467379
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}  .597369{col 33}{space 2} 1.697532{col 44}{space 1}    0.35{col 53}{space 3}0.725{col 61}{space 4}-2.730142{col 74}{space 3}  3.92488
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .9990971{col 33}{space 2} 1.473756{col 44}{space 1}    0.68{col 53}{space 3}0.498{col 61}{space 4}-1.889768{col 74}{space 3} 3.887962
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 1.037515{col 33}{space 2} 1.487649{col 44}{space 1}    0.70{col 53}{space 3}0.486{col 61}{space 4}-1.878583{col 74}{space 3} 3.953613
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .9631964{col 33}{space 2} 1.481566{col 44}{space 1}    0.65{col 53}{space 3}0.516{col 61}{space 4}-1.940977{col 74}{space 3}  3.86737
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .6209216{col 33}{space 2} 1.476905{col 44}{space 1}    0.42{col 53}{space 3}0.674{col 61}{space 4}-2.274115{col 74}{space 3} 3.515959
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .9525808{col 33}{space 2} 1.475904{col 44}{space 1}    0.65{col 53}{space 3}0.519{col 61}{space 4}-1.940495{col 74}{space 3} 3.845656
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .9526856{col 33}{space 2} 1.474704{col 44}{space 1}    0.65{col 53}{space 3}0.518{col 61}{space 4}-1.938037{col 74}{space 3} 3.843408
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .8852126{col 33}{space 2} 1.473838{col 44}{space 1}    0.60{col 53}{space 3}0.548{col 61}{space 4}-2.003812{col 74}{space 3} 3.774237
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .9243044{col 33}{space 2} 1.473385{col 44}{space 1}    0.63{col 53}{space 3}0.530{col 61}{space 4}-1.963834{col 74}{space 3} 3.812442
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .9290433{col 33}{space 2} 1.473623{col 44}{space 1}    0.63{col 53}{space 3}0.528{col 61}{space 4}-1.959561{col 74}{space 3} 3.817648
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .9615062{col 33}{space 2} 1.473756{col 44}{space 1}    0.65{col 53}{space 3}0.514{col 61}{space 4}-1.927359{col 74}{space 3} 3.850371
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2}  .941944{col 33}{space 2} 1.474169{col 44}{space 1}    0.64{col 53}{space 3}0.523{col 61}{space 4} -1.94773{col 74}{space 3} 3.831618
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .9458102{col 33}{space 2} 1.473237{col 44}{space 1}    0.64{col 53}{space 3}0.521{col 61}{space 4}-1.942036{col 74}{space 3} 3.833657
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 1.035663{col 33}{space 2} 1.473484{col 44}{space 1}    0.70{col 53}{space 3}0.482{col 61}{space 4}-1.852669{col 74}{space 3} 3.923994
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} 1.016723{col 33}{space 2} 1.473237{col 44}{space 1}    0.69{col 53}{space 3}0.490{col 61}{space 4}-1.871124{col 74}{space 3} 3.904571
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .8995483{col 33}{space 2}   .75737{col 44}{space 1}    1.19{col 53}{space 3}0.235{col 61}{space 4}-.5850526{col 74}{space 3} 2.384149
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .5205075{col 33}{space 2} .7482951{col 44}{space 1}    0.70{col 53}{space 3}0.487{col 61}{space 4}-.9463047{col 74}{space 3}  1.98732
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} .4267976{col 33}{space 2}   .71083{col 44}{space 1}    0.60{col 53}{space 3}0.548{col 61}{space 4}-.9665754{col 74}{space 3} 1.820171
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .5730143{col 33}{space 2} .7339234{col 44}{space 1}    0.78{col 53}{space 3}0.435{col 61}{space 4}-.8656265{col 74}{space 3} 2.011655
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .8664914{col 33}{space 2} .7392526{col 44}{space 1}    1.17{col 53}{space 3}0.241{col 61}{space 4}-.5825957{col 74}{space 3} 2.315578
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .4819137{col 33}{space 2} .7046662{col 44}{space 1}    0.68{col 53}{space 3}0.494{col 61}{space 4}-.8993768{col 74}{space 3} 1.863204
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}  .108482{col 33}{space 2} .7297245{col 44}{space 1}    0.15{col 53}{space 3}0.882{col 61}{space 4}-1.321928{col 74}{space 3} 1.538892
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .2170485{col 33}{space 2} .6973761{col 44}{space 1}    0.31{col 53}{space 3}0.756{col 61}{space 4}-1.149952{col 74}{space 3} 1.584049
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .6292896{col 33}{space 2} .7604789{col 44}{space 1}    0.83{col 53}{space 3}0.408{col 61}{space 4}-.8614054{col 74}{space 3} 2.119985
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} .3579516{col 33}{space 2} .7025472{col 44}{space 1}    0.51{col 53}{space 3}0.610{col 61}{space 4}-1.019185{col 74}{space 3} 1.735089
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .5357373{col 33}{space 2} .6991887{col 44}{space 1}    0.77{col 53}{space 3}0.444{col 61}{space 4}-.8348162{col 74}{space 3} 1.906291
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .1996794{col 33}{space 2} .6953082{col 44}{space 1}    0.29{col 53}{space 3}0.774{col 61}{space 4}-1.163268{col 74}{space 3} 1.562626
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 1.028582{col 33}{space 2} .7313194{col 44}{space 1}    1.41{col 53}{space 3}0.160{col 61}{space 4}-.4049543{col 74}{space 3} 2.462118
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .2888403{col 33}{space 2} .7340058{col 44}{space 1}    0.39{col 53}{space 3}0.694{col 61}{space 4}-1.149962{col 74}{space 3} 1.727643
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.2871378{col 33}{space 2}  .717791{col 44}{space 1}   -0.40{col 53}{space 3}0.689{col 61}{space 4}-1.694156{col 74}{space 3}  1.11988
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .4093052{col 33}{space 2} .7077097{col 44}{space 1}    0.58{col 53}{space 3}0.563{col 61}{space 4}-.9779512{col 74}{space 3} 1.796562
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .6815239{col 33}{space 2} .7451477{col 44}{space 1}    0.91{col 53}{space 3}0.360{col 61}{space 4}-.7791188{col 74}{space 3} 2.142167
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .5563997{col 33}{space 2} .7026789{col 44}{space 1}    0.79{col 53}{space 3}0.428{col 61}{space 4}-.8209954{col 74}{space 3} 1.933795
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} .6656179{col 33}{space 2} .7031467{col 44}{space 1}    0.95{col 53}{space 3}0.344{col 61}{space 4}-.7126942{col 74}{space 3}  2.04393
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .1763587{col 33}{space 2} .7366896{col 44}{space 1}    0.24{col 53}{space 3}0.811{col 61}{space 4}-1.267704{col 74}{space 3} 1.620422
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .9520789{col 33}{space 2} .7633648{col 44}{space 1}    1.25{col 53}{space 3}0.212{col 61}{space 4} -.544273{col 74}{space 3} 2.448431
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} .2634507{col 33}{space 2} .7218062{col 44}{space 1}    0.36{col 53}{space 3}0.715{col 61}{space 4}-1.151438{col 74}{space 3} 1.678339
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} .1935136{col 33}{space 2}  .706198{col 44}{space 1}    0.27{col 53}{space 3}0.784{col 61}{space 4} -1.19078{col 74}{space 3} 1.577807
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 1.010178{col 33}{space 2} .7097326{col 44}{space 1}    1.42{col 53}{space 3}0.155{col 61}{space 4}-.3810432{col 74}{space 3}   2.4014
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .2261773{col 33}{space 2} .7073394{col 44}{space 1}    0.32{col 53}{space 3}0.749{col 61}{space 4}-1.160353{col 74}{space 3} 1.612708
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .6261451{col 33}{space 2} .7416564{col 44}{space 1}    0.84{col 53}{space 3}0.399{col 61}{space 4}-.8276539{col 74}{space 3} 2.079944
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .8143508{col 33}{space 2} .7131639{col 44}{space 1}    1.14{col 53}{space 3}0.254{col 61}{space 4} -.583597{col 74}{space 3} 2.212299
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .5224339{col 33}{space 2} .7241265{col 44}{space 1}    0.72{col 53}{space 3}0.471{col 61}{space 4} -.897003{col 74}{space 3} 1.941871
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .5695713{col 33}{space 2} .7579771{col 44}{space 1}    0.75{col 53}{space 3}0.452{col 61}{space 4}-.9162196{col 74}{space 3} 2.055362
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}   .48152{col 33}{space 2} .7172145{col 44}{space 1}    0.67{col 53}{space 3}0.502{col 61}{space 4}-.9243678{col 74}{space 3} 1.887408
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .9319999{col 33}{space 2} .8464653{col 44}{space 1}    1.10{col 53}{space 3}0.271{col 61}{space 4}-.7272461{col 74}{space 3} 2.591246
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .6340102{col 33}{space 2} .7181325{col 44}{space 1}    0.88{col 53}{space 3}0.377{col 61}{space 4}-.7736771{col 74}{space 3} 2.041698
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .8197993{col 33}{space 2} .7120159{col 44}{space 1}    1.15{col 53}{space 3}0.250{col 61}{space 4}-.5758983{col 74}{space 3} 2.215497
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .3038064{col 33}{space 2} .7065205{col 44}{space 1}    0.43{col 53}{space 3}0.667{col 61}{space 4}-1.081119{col 74}{space 3} 1.688732
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .4710379{col 33}{space 2} .7018477{col 44}{space 1}    0.67{col 53}{space 3}0.502{col 61}{space 4} -.904728{col 74}{space 3} 1.846804
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .6286492{col 33}{space 2} .7115316{col 44}{space 1}    0.88{col 53}{space 3}0.377{col 61}{space 4} -.766099{col 74}{space 3} 2.023397
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} .2267235{col 33}{space 2} .6972817{col 44}{space 1}    0.33{col 53}{space 3}0.745{col 61}{space 4}-1.140092{col 74}{space 3} 1.593539
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .7601256{col 33}{space 2} .7447971{col 44}{space 1}    1.02{col 53}{space 3}0.307{col 61}{space 4}-.6998299{col 74}{space 3} 2.220081
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .5266286{col 33}{space 2} .7079549{col 44}{space 1}    0.74{col 53}{space 3}0.457{col 61}{space 4}-.8611084{col 74}{space 3} 1.914366
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .7867939{col 33}{space 2} .7205928{col 44}{space 1}    1.09{col 53}{space 3}0.275{col 61}{space 4}-.6257162{col 74}{space 3} 2.199304
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}  .546464{col 33}{space 2} .7149087{col 44}{space 1}    0.76{col 53}{space 3}0.445{col 61}{space 4} -.854904{col 74}{space 3} 1.947832
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .8115594{col 33}{space 2} .7080905{col 44}{space 1}    1.15{col 53}{space 3}0.252{col 61}{space 4}-.5764435{col 74}{space 3} 2.199562
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} .8690925{col 33}{space 2} .7296466{col 44}{space 1}    1.19{col 53}{space 3}0.234{col 61}{space 4}-.5611647{col 74}{space 3}  2.29935
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .4725567{col 33}{space 2} .7303352{col 44}{space 1}    0.65{col 53}{space 3}0.518{col 61}{space 4}-.9590505{col 74}{space 3} 1.904164
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .9388103{col 33}{space 2}  .702326{col 44}{space 1}    1.34{col 53}{space 3}0.181{col 61}{space 4} -.437893{col 74}{space 3} 2.315514
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 1.152119{col 33}{space 2}  .726942{col 44}{space 1}    1.58{col 53}{space 3}0.113{col 61}{space 4}-.2728371{col 74}{space 3} 2.577075
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .9849508{col 33}{space 2} .7962146{col 44}{space 1}    1.24{col 53}{space 3}0.216{col 61}{space 4}-.5757935{col 74}{space 3} 2.545695
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 1.007306{col 33}{space 2} .7208677{col 44}{space 1}    1.40{col 53}{space 3}0.162{col 61}{space 4}-.4057425{col 74}{space 3} 2.420355
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .6679858{col 33}{space 2} .7433298{col 44}{space 1}    0.90{col 53}{space 3}0.369{col 61}{space 4}-.7890933{col 74}{space 3} 2.125065
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .7772788{col 33}{space 2} .7188048{col 44}{space 1}    1.08{col 53}{space 3}0.280{col 61}{space 4}-.6317264{col 74}{space 3} 2.186284
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .2458008{col 33}{space 2} .7101411{col 44}{space 1}    0.35{col 53}{space 3}0.729{col 61}{space 4}-1.146222{col 74}{space 3} 1.637823
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .4020804{col 33}{space 2} .7035309{col 44}{space 1}    0.57{col 53}{space 3}0.568{col 61}{space 4}-.9769847{col 74}{space 3} 1.781146
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} .8085048{col 33}{space 2} .7952731{col 44}{space 1}    1.02{col 53}{space 3}0.309{col 61}{space 4} -.750394{col 74}{space 3} 2.367404
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} .3433352{col 33}{space 2}  1.63547{col 44}{space 1}    0.21{col 53}{space 3}0.834{col 61}{space 4}-2.862522{col 74}{space 3} 3.549192
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg paymentw itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* if t==14 , vce(cluster customer)
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(91, 9822)       =  {res}     7.75
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1340
                                                {txt}Root MSE          =    {res} 258.28

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}           paymentw{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} 9.796904{col 33}{space 2} 6.397056{col 44}{space 1}    1.53{col 53}{space 3}0.126{col 61}{space 4}-2.742641{col 74}{space 3} 22.33645
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} 27.52673{col 33}{space 2} 6.611617{col 44}{space 1}    4.16{col 53}{space 3}0.000{col 61}{space 4}  14.5666{col 74}{space 3} 40.48686
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .1865224{col 33}{space 2} .0205359{col 44}{space 1}    9.08{col 53}{space 3}0.000{col 61}{space 4} .1462679{col 74}{space 3} .2267769
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-22.60267{col 33}{space 2} 5.228929{col 44}{space 1}   -4.32{col 53}{space 3}0.000{col 61}{space 4}-32.85244{col 74}{space 3}-12.35289
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .7550597{col 33}{space 2} .0842343{col 44}{space 1}    8.96{col 53}{space 3}0.000{col 61}{space 4} .5899432{col 74}{space 3} .9201763
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0429015{col 33}{space 2} .0051441{col 44}{space 1}    8.34{col 53}{space 3}0.000{col 61}{space 4} .0328181{col 74}{space 3} .0529849
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} 13.13958{col 33}{space 2} 1.031577{col 44}{space 1}   12.74{col 53}{space 3}0.000{col 61}{space 4} 11.11748{col 74}{space 3} 15.16168
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-41.93713{col 33}{space 2} 19.28264{col 44}{space 1}   -2.17{col 53}{space 3}0.030{col 61}{space 4}-79.73507{col 74}{space 3} -4.13919
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-16.16922{col 33}{space 2} 19.66814{col 44}{space 1}   -0.82{col 53}{space 3}0.411{col 61}{space 4}-54.72281{col 74}{space 3} 22.38437
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-44.73631{col 33}{space 2} 19.85071{col 44}{space 1}   -2.25{col 53}{space 3}0.024{col 61}{space 4}-83.64778{col 74}{space 3}-5.824832
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-34.26678{col 33}{space 2}  19.9011{col 44}{space 1}   -1.72{col 53}{space 3}0.085{col 61}{space 4}-73.27703{col 74}{space 3} 4.743473
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-38.22893{col 33}{space 2} 19.41461{col 44}{space 1}   -1.97{col 53}{space 3}0.049{col 61}{space 4}-76.28555{col 74}{space 3}-.1723073
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-26.35577{col 33}{space 2} 20.29879{col 44}{space 1}   -1.30{col 53}{space 3}0.194{col 61}{space 4}-66.14556{col 74}{space 3} 13.43402
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-29.38755{col 33}{space 2} 20.18554{col 44}{space 1}   -1.46{col 53}{space 3}0.145{col 61}{space 4}-68.95536{col 74}{space 3} 10.18026
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} -28.0652{col 33}{space 2} 19.76059{col 44}{space 1}   -1.42{col 53}{space 3}0.156{col 61}{space 4}-66.80002{col 74}{space 3} 10.66962
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-28.37191{col 33}{space 2} 19.77436{col 44}{space 1}   -1.43{col 53}{space 3}0.151{col 61}{space 4}-67.13373{col 74}{space 3}  10.3899
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-22.63466{col 33}{space 2} 20.22374{col 44}{space 1}   -1.12{col 53}{space 3}0.263{col 61}{space 4}-62.27735{col 74}{space 3} 17.00802
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-28.19265{col 33}{space 2}    19.26{col 44}{space 1}   -1.46{col 53}{space 3}0.143{col 61}{space 4} -65.9462{col 74}{space 3}  9.56091
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-39.36394{col 33}{space 2} 20.20914{col 44}{space 1}   -1.95{col 53}{space 3}0.051{col 61}{space 4}-78.97801{col 74}{space 3} .2501304
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-14.34698{col 33}{space 2} 19.92929{col 44}{space 1}   -0.72{col 53}{space 3}0.472{col 61}{space 4}-53.41247{col 74}{space 3} 24.71852
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-27.53525{col 33}{space 2} 21.32046{col 44}{space 1}   -1.29{col 53}{space 3}0.197{col 61}{space 4}-69.32774{col 74}{space 3} 14.25723
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}-14.98185{col 33}{space 2} 19.75009{col 44}{space 1}   -0.76{col 53}{space 3}0.448{col 61}{space 4}-53.69608{col 74}{space 3} 23.73238
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 258.1452{col 33}{space 2} 161.6577{col 44}{space 1}    1.60{col 53}{space 3}0.110{col 61}{space 4}-58.73716{col 74}{space 3} 575.0275
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}  105.336{col 33}{space 2} 93.68933{col 44}{space 1}    1.12{col 53}{space 3}0.261{col 61}{space 4} -78.3143{col 74}{space 3} 288.9864
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2}  79.5564{col 33}{space 2} 35.75155{col 44}{space 1}    2.23{col 53}{space 3}0.026{col 61}{space 4}  9.47601{col 74}{space 3} 149.6368
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 73.06428{col 33}{space 2} 40.31025{col 44}{space 1}    1.81{col 53}{space 3}0.070{col 61}{space 4}-5.952098{col 74}{space 3} 152.0807
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}   81.378{col 33}{space 2} 39.16672{col 44}{space 1}    2.08{col 53}{space 3}0.038{col 61}{space 4}  4.60318{col 74}{space 3} 158.1528
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} 58.49464{col 33}{space 2}  37.1891{col 44}{space 1}    1.57{col 53}{space 3}0.116{col 61}{space 4}-14.40364{col 74}{space 3} 131.3929
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 82.75879{col 33}{space 2} 36.77167{col 44}{space 1}    2.25{col 53}{space 3}0.024{col 61}{space 4} 10.67876{col 74}{space 3} 154.8388
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 72.16345{col 33}{space 2} 35.92402{col 44}{space 1}    2.01{col 53}{space 3}0.045{col 61}{space 4}  1.74499{col 74}{space 3} 142.5819
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2}  66.2348{col 33}{space 2}  35.6617{col 44}{space 1}    1.86{col 53}{space 3}0.063{col 61}{space 4}-3.669467{col 74}{space 3} 136.1391
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 72.94304{col 33}{space 2} 35.58291{col 44}{space 1}    2.05{col 53}{space 3}0.040{col 61}{space 4} 3.193222{col 74}{space 3} 142.6929
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2}  81.7309{col 33}{space 2} 35.73769{col 44}{space 1}    2.29{col 53}{space 3}0.022{col 61}{space 4} 11.67767{col 74}{space 3} 151.7841
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} 64.83615{col 33}{space 2} 35.73014{col 44}{space 1}    1.81{col 53}{space 3}0.070{col 61}{space 4}-5.202277{col 74}{space 3} 134.8746
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 68.70097{col 33}{space 2} 35.79317{col 44}{space 1}    1.92{col 53}{space 3}0.055{col 61}{space 4}-1.460996{col 74}{space 3} 138.8629
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 66.96858{col 33}{space 2} 35.41934{col 44}{space 1}    1.89{col 53}{space 3}0.059{col 61}{space 4}  -2.4606{col 74}{space 3} 136.3978
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 73.57754{col 33}{space 2} 35.59589{col 44}{space 1}    2.07{col 53}{space 3}0.039{col 61}{space 4} 3.802275{col 74}{space 3} 143.3528
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} 80.48631{col 33}{space 2} 35.55341{col 44}{space 1}    2.26{col 53}{space 3}0.024{col 61}{space 4} 10.79431{col 74}{space 3} 150.1783
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2}-13.12343{col 33}{space 2} 111.6146{col 44}{space 1}   -0.12{col 53}{space 3}0.906{col 61}{space 4}-231.9111{col 74}{space 3} 205.6642
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-45.69931{col 33}{space 2} 109.7707{col 44}{space 1}   -0.42{col 53}{space 3}0.677{col 61}{space 4}-260.8724{col 74}{space 3} 169.4738
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} -54.6742{col 33}{space 2} 107.9588{col 44}{space 1}   -0.51{col 53}{space 3}0.613{col 61}{space 4}-266.2956{col 74}{space 3} 156.9472
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-22.24305{col 33}{space 2} 109.8764{col 44}{space 1}   -0.20{col 53}{space 3}0.840{col 61}{space 4}-237.6234{col 74}{space 3} 193.1373
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-21.91534{col 33}{space 2} 110.0619{col 44}{space 1}   -0.20{col 53}{space 3}0.842{col 61}{space 4}-237.6593{col 74}{space 3} 193.8286
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}-35.95887{col 33}{space 2} 108.2696{col 44}{space 1}   -0.33{col 53}{space 3}0.740{col 61}{space 4}-248.1895{col 74}{space 3} 176.2718
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-73.11935{col 33}{space 2} 109.2779{col 44}{space 1}   -0.67{col 53}{space 3}0.503{col 61}{space 4}-287.3265{col 74}{space 3} 141.0878
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-84.27527{col 33}{space 2} 107.1068{col 44}{space 1}   -0.79{col 53}{space 3}0.431{col 61}{space 4}-294.2266{col 74}{space 3}  125.676
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2}-53.24936{col 33}{space 2} 110.5545{col 44}{space 1}   -0.48{col 53}{space 3}0.630{col 61}{space 4}-269.9588{col 74}{space 3} 163.4601
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-58.20939{col 33}{space 2} 107.3683{col 44}{space 1}   -0.54{col 53}{space 3}0.588{col 61}{space 4}-268.6734{col 74}{space 3} 152.2546
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-47.57479{col 33}{space 2} 107.2329{col 44}{space 1}   -0.44{col 53}{space 3}0.657{col 61}{space 4}-257.7734{col 74}{space 3} 162.6238
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-58.35363{col 33}{space 2} 106.9943{col 44}{space 1}   -0.55{col 53}{space 3}0.585{col 61}{space 4}-268.0844{col 74}{space 3} 151.3771
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}  30.0766{col 33}{space 2} 111.0771{col 44}{space 1}    0.27{col 53}{space 3}0.787{col 61}{space 4}-187.6573{col 74}{space 3} 247.8105
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-80.99434{col 33}{space 2} 108.0931{col 44}{space 1}   -0.75{col 53}{space 3}0.454{col 61}{space 4} -292.879{col 74}{space 3} 130.8903
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-75.60298{col 33}{space 2} 108.1617{col 44}{space 1}   -0.70{col 53}{space 3}0.485{col 61}{space 4}-287.6222{col 74}{space 3} 136.4163
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} -25.3367{col 33}{space 2} 107.7842{col 44}{space 1}   -0.24{col 53}{space 3}0.814{col 61}{space 4}-236.6158{col 74}{space 3} 185.9424
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-47.95814{col 33}{space 2} 110.0685{col 44}{space 1}   -0.44{col 53}{space 3}0.663{col 61}{space 4}-263.7151{col 74}{space 3} 167.7988
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} -59.3395{col 33}{space 2} 107.3813{col 44}{space 1}   -0.55{col 53}{space 3}0.581{col 61}{space 4}-269.8289{col 74}{space 3} 151.1499
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-18.16243{col 33}{space 2} 107.6876{col 44}{space 1}   -0.17{col 53}{space 3}0.866{col 61}{space 4}-229.2523{col 74}{space 3} 192.9274
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-78.08125{col 33}{space 2} 108.5859{col 44}{space 1}   -0.72{col 53}{space 3}0.472{col 61}{space 4}-290.9319{col 74}{space 3} 134.7694
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 44.84701{col 33}{space 2} 113.1228{col 44}{space 1}    0.40{col 53}{space 3}0.692{col 61}{space 4} -176.897{col 74}{space 3}  266.591
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-72.39771{col 33}{space 2} 108.4737{col 44}{space 1}   -0.67{col 53}{space 3}0.505{col 61}{space 4}-285.0285{col 74}{space 3} 140.2331
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-78.89332{col 33}{space 2} 107.5653{col 44}{space 1}   -0.73{col 53}{space 3}0.463{col 61}{space 4}-289.7435{col 74}{space 3} 131.9568
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}-7.211532{col 33}{space 2} 108.4833{col 44}{space 1}   -0.07{col 53}{space 3}0.947{col 61}{space 4} -219.861{col 74}{space 3}  205.438
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-60.38421{col 33}{space 2} 107.6302{col 44}{space 1}   -0.56{col 53}{space 3}0.575{col 61}{space 4}-271.3615{col 74}{space 3} 150.5931
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-25.35739{col 33}{space 2} 109.6861{col 44}{space 1}   -0.23{col 53}{space 3}0.817{col 61}{space 4}-240.3647{col 74}{space 3} 189.6499
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} 5.254439{col 33}{space 2}  108.938{col 44}{space 1}    0.05{col 53}{space 3}0.962{col 61}{space 4}-208.2865{col 74}{space 3} 218.7954
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} -65.6705{col 33}{space 2} 108.2452{col 44}{space 1}   -0.61{col 53}{space 3}0.544{col 61}{space 4}-277.8534{col 74}{space 3} 146.5124
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-48.59739{col 33}{space 2} 111.6739{col 44}{space 1}   -0.44{col 53}{space 3}0.663{col 61}{space 4}-267.5012{col 74}{space 3} 170.3064
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-48.59879{col 33}{space 2}  108.738{col 44}{space 1}   -0.45{col 53}{space 3}0.655{col 61}{space 4}-261.7475{col 74}{space 3}   164.55
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-25.40288{col 33}{space 2} 113.2139{col 44}{space 1}   -0.22{col 53}{space 3}0.822{col 61}{space 4}-247.3254{col 74}{space 3} 196.5196
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}-47.73624{col 33}{space 2} 107.9738{col 44}{space 1}   -0.44{col 53}{space 3}0.658{col 61}{space 4}-259.3871{col 74}{space 3} 163.9146
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-21.99342{col 33}{space 2} 108.2088{col 44}{space 1}   -0.20{col 53}{space 3}0.839{col 61}{space 4}-234.1049{col 74}{space 3} 190.1181
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} -53.8531{col 33}{space 2} 108.3025{col 44}{space 1}   -0.50{col 53}{space 3}0.619{col 61}{space 4}-266.1483{col 74}{space 3} 158.4421
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-42.27247{col 33}{space 2} 107.9851{col 44}{space 1}   -0.39{col 53}{space 3}0.695{col 61}{space 4}-253.9454{col 74}{space 3} 169.4005
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2}-18.28241{col 33}{space 2} 108.7468{col 44}{space 1}   -0.17{col 53}{space 3}0.866{col 61}{space 4}-231.4486{col 74}{space 3} 194.8838
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-48.94112{col 33}{space 2} 107.3568{col 44}{space 1}   -0.46{col 53}{space 3}0.648{col 61}{space 4}-259.3825{col 74}{space 3} 161.5002
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} 1.094998{col 33}{space 2} 111.8738{col 44}{space 1}    0.01{col 53}{space 3}0.992{col 61}{space 4}-218.2006{col 74}{space 3} 220.3906
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-39.73273{col 33}{space 2} 108.0738{col 44}{space 1}   -0.37{col 53}{space 3}0.713{col 61}{space 4}-251.5796{col 74}{space 3} 172.1141
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-8.735486{col 33}{space 2} 109.4861{col 44}{space 1}   -0.08{col 53}{space 3}0.936{col 61}{space 4}-223.3508{col 74}{space 3} 205.8799
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-43.23871{col 33}{space 2} 108.2206{col 44}{space 1}   -0.40{col 53}{space 3}0.690{col 61}{space 4}-255.3734{col 74}{space 3}  168.896
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2}-22.43431{col 33}{space 2} 107.9517{col 44}{space 1}   -0.21{col 53}{space 3}0.835{col 61}{space 4}-234.0418{col 74}{space 3} 189.1732
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} 63.27869{col 33}{space 2} 111.9965{col 44}{space 1}    0.57{col 53}{space 3}0.572{col 61}{space 4}-156.2575{col 74}{space 3} 282.8148
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-35.17694{col 33}{space 2} 108.8512{col 44}{space 1}   -0.32{col 53}{space 3}0.747{col 61}{space 4}-248.5477{col 74}{space 3} 178.1939
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 25.41638{col 33}{space 2} 107.9035{col 44}{space 1}    0.24{col 53}{space 3}0.814{col 61}{space 4}-186.0966{col 74}{space 3} 236.9293
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 56.72169{col 33}{space 2} 110.9318{col 44}{space 1}    0.51{col 53}{space 3}0.609{col 61}{space 4}-160.7275{col 74}{space 3} 274.1709
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 14.82841{col 33}{space 2} 115.2186{col 44}{space 1}    0.13{col 53}{space 3}0.898{col 61}{space 4}-211.0237{col 74}{space 3} 240.6805
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}-8.584863{col 33}{space 2} 108.6168{col 44}{space 1}   -0.08{col 53}{space 3}0.937{col 61}{space 4}-221.4962{col 74}{space 3} 204.3265
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-28.92458{col 33}{space 2}  109.895{col 44}{space 1}   -0.26{col 53}{space 3}0.792{col 61}{space 4}-244.3414{col 74}{space 3} 186.4922
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-1.988226{col 33}{space 2} 108.8145{col 44}{space 1}   -0.02{col 53}{space 3}0.985{col 61}{space 4}-215.2869{col 74}{space 3} 211.3105
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-72.81093{col 33}{space 2} 107.6502{col 44}{space 1}   -0.68{col 53}{space 3}0.499{col 61}{space 4}-283.8274{col 74}{space 3} 138.2056
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-75.79499{col 33}{space 2} 107.5539{col 44}{space 1}   -0.70{col 53}{space 3}0.481{col 61}{space 4}-286.6227{col 74}{space 3} 135.0327
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}   46.497{col 33}{space 2}  118.497{col 44}{space 1}    0.39{col 53}{space 3}0.695{col 61}{space 4}-185.7815{col 74}{space 3} 278.7755
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} 28.08459{col 33}{space 2} 115.8913{col 44}{space 1}    0.24{col 53}{space 3}0.809{col 61}{space 4}-199.0862{col 74}{space 3} 255.2554
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg cubepayment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* if t==14 , vce(cluster customer)
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(91, 9822)       =  {res}    15.42
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1235
                                                {txt}Root MSE          =    {res} 3.2781

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}        cubepayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .1840073{col 33}{space 2}   .08156{col 44}{space 1}    2.26{col 53}{space 3}0.024{col 61}{space 4} .0241329{col 74}{space 3} .3438818
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .5113042{col 33}{space 2} .0836624{col 44}{space 1}    6.11{col 53}{space 3}0.000{col 61}{space 4} .3473087{col 74}{space 3} .6752998
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0010832{col 33}{space 2} .0002132{col 44}{space 1}    5.08{col 53}{space 3}0.000{col 61}{space 4} .0006654{col 74}{space 3}  .001501
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.3179873{col 33}{space 2} .0647464{col 44}{space 1}   -4.91{col 53}{space 3}0.000{col 61}{space 4}-.4449035{col 74}{space 3} -.191071
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}  .005275{col 33}{space 2} .0010044{col 44}{space 1}    5.25{col 53}{space 3}0.000{col 61}{space 4} .0033062{col 74}{space 3} .0072439
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0003662{col 33}{space 2}   .00006{col 44}{space 1}    6.10{col 53}{space 3}0.000{col 61}{space 4} .0002486{col 74}{space 3} .0004838
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}  .363415{col 33}{space 2} .0123484{col 44}{space 1}   29.43{col 53}{space 3}0.000{col 61}{space 4} .3392097{col 74}{space 3} .3876204
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.6583033{col 33}{space 2} .2309179{col 44}{space 1}   -2.85{col 53}{space 3}0.004{col 61}{space 4} -1.11095{col 74}{space 3}-.2056567
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.3339344{col 33}{space 2} .2335505{col 44}{space 1}   -1.43{col 53}{space 3}0.153{col 61}{space 4}-.7917414{col 74}{space 3} .1238726
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.6919833{col 33}{space 2} .2441089{col 44}{space 1}   -2.83{col 53}{space 3}0.005{col 61}{space 4}-1.170487{col 74}{space 3}-.2134797
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.5516792{col 33}{space 2} .2363344{col 44}{space 1}   -2.33{col 53}{space 3}0.020{col 61}{space 4}-1.014943{col 74}{space 3}-.0884151
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.6357873{col 33}{space 2} .2319607{col 44}{space 1}   -2.74{col 53}{space 3}0.006{col 61}{space 4}-1.090478{col 74}{space 3}-.1810967
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.3846085{col 33}{space 2} .2416301{col 44}{space 1}   -1.59{col 53}{space 3}0.111{col 61}{space 4}-.8582532{col 74}{space 3} .0890363
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.5681631{col 33}{space 2} .2424273{col 44}{space 1}   -2.34{col 53}{space 3}0.019{col 61}{space 4} -1.04337{col 74}{space 3}-.0929558
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.4126375{col 33}{space 2} .2358161{col 44}{space 1}   -1.75{col 53}{space 3}0.080{col 61}{space 4}-.8748856{col 74}{space 3} .0496106
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}  -.46606{col 33}{space 2} .2329681{col 44}{space 1}   -2.00{col 53}{space 3}0.045{col 61}{space 4}-.9227253{col 74}{space 3}-.0093947
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.4800397{col 33}{space 2} .2382374{col 44}{space 1}   -2.01{col 53}{space 3}0.044{col 61}{space 4} -.947034{col 74}{space 3}-.0130454
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.4458611{col 33}{space 2}  .229103{col 44}{space 1}   -1.95{col 53}{space 3}0.052{col 61}{space 4}  -.89495{col 74}{space 3} .0032278
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.6671892{col 33}{space 2} .2459325{col 44}{space 1}   -2.71{col 53}{space 3}0.007{col 61}{space 4}-1.149268{col 74}{space 3}-.1851109
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.2182074{col 33}{space 2} .2376778{col 44}{space 1}   -0.92{col 53}{space 3}0.359{col 61}{space 4}-.6841047{col 74}{space 3} .2476899
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.4608595{col 33}{space 2}  .254628{col 44}{space 1}   -1.81{col 53}{space 3}0.070{col 61}{space 4}-.9599827{col 74}{space 3} .0382638
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}-.2814011{col 33}{space 2} .2336897{col 44}{space 1}   -1.20{col 53}{space 3}0.229{col 61}{space 4}-.7394809{col 74}{space 3} .1766788
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 2.786172{col 33}{space 2} 2.345016{col 44}{space 1}    1.19{col 53}{space 3}0.235{col 61}{space 4}-1.810541{col 74}{space 3} 7.382884
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} .9573794{col 33}{space 2} 1.868061{col 44}{space 1}    0.51{col 53}{space 3}0.608{col 61}{space 4}-2.704404{col 74}{space 3} 4.619162
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 1.223831{col 33}{space 2} 1.515234{col 44}{space 1}    0.81{col 53}{space 3}0.419{col 61}{space 4}-1.746339{col 74}{space 3} 4.194001
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 1.196377{col 33}{space 2} 1.535427{col 44}{space 1}    0.78{col 53}{space 3}0.436{col 61}{space 4}-1.813375{col 74}{space 3} 4.206129
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 1.185462{col 33}{space 2} 1.527759{col 44}{space 1}    0.78{col 53}{space 3}0.438{col 61}{space 4}-1.809259{col 74}{space 3} 4.180183
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .7900861{col 33}{space 2}  1.52078{col 44}{space 1}    0.52{col 53}{space 3}0.603{col 61}{space 4}-2.190956{col 74}{space 3} 3.771128
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 1.220506{col 33}{space 2} 1.519087{col 44}{space 1}    0.80{col 53}{space 3}0.422{col 61}{space 4}-1.757217{col 74}{space 3} 4.198229
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 1.171737{col 33}{space 2} 1.516697{col 44}{space 1}    0.77{col 53}{space 3}0.440{col 61}{space 4}-1.801301{col 74}{space 3} 4.144775
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 1.062168{col 33}{space 2} 1.515036{col 44}{space 1}    0.70{col 53}{space 3}0.483{col 61}{space 4}-1.907615{col 74}{space 3} 4.031951
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 1.122607{col 33}{space 2} 1.514648{col 44}{space 1}    0.74{col 53}{space 3}0.459{col 61}{space 4}-1.846414{col 74}{space 3} 4.091629
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} 1.179681{col 33}{space 2}  1.51501{col 44}{space 1}    0.78{col 53}{space 3}0.436{col 61}{space 4}-1.790051{col 74}{space 3} 4.149413
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} 1.119939{col 33}{space 2} 1.515179{col 44}{space 1}    0.74{col 53}{space 3}0.460{col 61}{space 4}-1.850123{col 74}{space 3} 4.090002
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 1.144942{col 33}{space 2} 1.515818{col 44}{space 1}    0.76{col 53}{space 3}0.450{col 61}{space 4}-1.826373{col 74}{space 3} 4.116257
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 1.129605{col 33}{space 2} 1.514286{col 44}{space 1}    0.75{col 53}{space 3}0.456{col 61}{space 4}-1.838706{col 74}{space 3} 4.097916
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 1.227769{col 33}{space 2} 1.514708{col 44}{space 1}    0.81{col 53}{space 3}0.418{col 61}{space 4} -1.74137{col 74}{space 3} 4.196908
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}  1.24958{col 33}{space 2} 1.514425{col 44}{space 1}    0.83{col 53}{space 3}0.409{col 61}{space 4}-1.719004{col 74}{space 3} 4.218164
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .9898194{col 33}{space 2} 1.123244{col 44}{space 1}    0.88{col 53}{space 3}0.378{col 61}{space 4}-1.211969{col 74}{space 3} 3.191608
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .4268666{col 33}{space 2} 1.102169{col 44}{space 1}    0.39{col 53}{space 3}0.699{col 61}{space 4}-1.733612{col 74}{space 3} 2.587345
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} .2841868{col 33}{space 2} 1.061649{col 44}{space 1}    0.27{col 53}{space 3}0.789{col 61}{space 4}-1.796863{col 74}{space 3} 2.365237
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .5532681{col 33}{space 2} 1.087999{col 44}{space 1}    0.51{col 53}{space 3}0.611{col 61}{space 4}-1.579434{col 74}{space 3}  2.68597
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .8403151{col 33}{space 2} 1.093051{col 44}{space 1}    0.77{col 53}{space 3}0.442{col 61}{space 4} -1.30229{col 74}{space 3}  2.98292
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .4189035{col 33}{space 2} 1.061099{col 44}{space 1}    0.39{col 53}{space 3}0.693{col 61}{space 4}-1.661068{col 74}{space 3} 2.498875
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.1245666{col 33}{space 2} 1.081278{col 44}{space 1}   -0.12{col 53}{space 3}0.908{col 61}{space 4}-2.244093{col 74}{space 3}  1.99496
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.0230937{col 33}{space 2} 1.048883{col 44}{space 1}   -0.02{col 53}{space 3}0.982{col 61}{space 4}-2.079119{col 74}{space 3} 2.032932
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .4802072{col 33}{space 2} 1.116779{col 44}{space 1}    0.43{col 53}{space 3}0.667{col 61}{space 4}-1.708909{col 74}{space 3} 2.669324
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} .2175176{col 33}{space 2} 1.053272{col 44}{space 1}    0.21{col 53}{space 3}0.836{col 61}{space 4}-1.847112{col 74}{space 3} 2.282147
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .4237337{col 33}{space 2} 1.050364{col 44}{space 1}    0.40{col 53}{space 3}0.687{col 61}{space 4}-1.635195{col 74}{space 3} 2.482662
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .0608018{col 33}{space 2} 1.046149{col 44}{space 1}    0.06{col 53}{space 3}0.954{col 61}{space 4}-1.989865{col 74}{space 3} 2.111468
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 1.189069{col 33}{space 2} 1.090157{col 44}{space 1}    1.09{col 53}{space 3}0.275{col 61}{space 4} -.947862{col 74}{space 3}    3.326
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .0909989{col 33}{space 2} 1.082107{col 44}{space 1}    0.08{col 53}{space 3}0.933{col 61}{space 4}-2.030154{col 74}{space 3} 2.212151
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.4631521{col 33}{space 2}  1.06871{col 44}{space 1}   -0.43{col 53}{space 3}0.665{col 61}{space 4}-2.558044{col 74}{space 3}  1.63174
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .3994545{col 33}{space 2} 1.059644{col 44}{space 1}    0.38{col 53}{space 3}0.706{col 61}{space 4}-1.677665{col 74}{space 3} 2.476574
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .5826138{col 33}{space 2} 1.105257{col 44}{space 1}    0.53{col 53}{space 3}0.598{col 61}{space 4}-1.583916{col 74}{space 3} 2.749144
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .4042692{col 33}{space 2} 1.054215{col 44}{space 1}    0.38{col 53}{space 3}0.701{col 61}{space 4}-1.662208{col 74}{space 3} 2.470747
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} .6989748{col 33}{space 2} 1.056158{col 44}{space 1}    0.66{col 53}{space 3}0.508{col 61}{space 4}-1.371311{col 74}{space 3} 2.769261
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-.0337259{col 33}{space 2} 1.084283{col 44}{space 1}   -0.03{col 53}{space 3}0.975{col 61}{space 4}-2.159144{col 74}{space 3} 2.091692
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 1.224373{col 33}{space 2} 1.130078{col 44}{space 1}    1.08{col 53}{space 3}0.279{col 61}{space 4}-.9908125{col 74}{space 3} 3.439558
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} .0870325{col 33}{space 2} 1.076084{col 44}{space 1}    0.08{col 53}{space 3}0.936{col 61}{space 4}-2.022313{col 74}{space 3} 2.196378
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} -.028106{col 33}{space 2} 1.056519{col 44}{space 1}   -0.03{col 53}{space 3}0.979{col 61}{space 4}-2.099101{col 74}{space 3} 2.042889
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 1.079306{col 33}{space 2} 1.067674{col 44}{space 1}    1.01{col 53}{space 3}0.312{col 61}{space 4}-1.013554{col 74}{space 3} 3.172166
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}  .099489{col 33}{space 2} 1.059031{col 44}{space 1}    0.09{col 53}{space 3}0.925{col 61}{space 4} -1.97643{col 74}{space 3} 2.175408
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .6104691{col 33}{space 2} 1.094404{col 44}{space 1}    0.56{col 53}{space 3}0.577{col 61}{space 4}-1.534788{col 74}{space 3} 2.755727
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .9757974{col 33}{space 2} 1.074344{col 44}{space 1}    0.91{col 53}{space 3}0.364{col 61}{space 4}-1.130138{col 74}{space 3} 3.081733
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .3640647{col 33}{space 2} 1.074801{col 44}{space 1}    0.34{col 53}{space 3}0.735{col 61}{space 4}-1.742766{col 74}{space 3} 2.470896
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .4732828{col 33}{space 2} 1.118308{col 44}{space 1}    0.42{col 53}{space 3}0.672{col 61}{space 4}-1.718831{col 74}{space 3} 2.665396
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}  .390726{col 33}{space 2} 1.073241{col 44}{space 1}    0.36{col 53}{space 3}0.716{col 61}{space 4}-1.713047{col 74}{space 3} 2.494499
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .9308855{col 33}{space 2} 1.196436{col 44}{space 1}    0.78{col 53}{space 3}0.437{col 61}{space 4}-1.414374{col 74}{space 3} 3.276145
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}  .559403{col 33}{space 2} 1.070425{col 44}{space 1}    0.52{col 53}{space 3}0.601{col 61}{space 4}-1.538851{col 74}{space 3} 2.657657
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .8046562{col 33}{space 2} 1.064364{col 44}{space 1}    0.76{col 53}{space 3}0.450{col 61}{space 4}-1.281717{col 74}{space 3} 2.891029
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .1556215{col 33}{space 2} 1.060723{col 44}{space 1}    0.15{col 53}{space 3}0.883{col 61}{space 4}-1.923614{col 74}{space 3} 2.234857
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .3712136{col 33}{space 2}  1.05708{col 44}{space 1}    0.35{col 53}{space 3}0.725{col 61}{space 4} -1.70088{col 74}{space 3} 2.443307
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .6298055{col 33}{space 2} 1.067323{col 44}{space 1}    0.59{col 53}{space 3}0.555{col 61}{space 4}-1.462367{col 74}{space 3} 2.721978
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} .1261355{col 33}{space 2}  1.04978{col 44}{space 1}    0.12{col 53}{space 3}0.904{col 61}{space 4}-1.931649{col 74}{space 3}  2.18392
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .9281748{col 33}{space 2} 1.119057{col 44}{space 1}    0.83{col 53}{space 3}0.407{col 61}{space 4}-1.265407{col 74}{space 3} 3.121756
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .4992985{col 33}{space 2} 1.063274{col 44}{space 1}    0.47{col 53}{space 3}0.639{col 61}{space 4}-1.584937{col 74}{space 3} 2.583534
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .8201912{col 33}{space 2} 1.078908{col 44}{space 1}    0.76{col 53}{space 3}0.447{col 61}{space 4}-1.294689{col 74}{space 3} 2.935072
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .4811287{col 33}{space 2} 1.068008{col 44}{space 1}    0.45{col 53}{space 3}0.652{col 61}{space 4}-1.612387{col 74}{space 3} 2.574645
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .7787726{col 33}{space 2} 1.060387{col 44}{space 1}    0.73{col 53}{space 3}0.463{col 61}{space 4}-1.299805{col 74}{space 3}  2.85735
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} 1.103646{col 33}{space 2} 1.095944{col 44}{space 1}    1.01{col 53}{space 3}0.314{col 61}{space 4}-1.044629{col 74}{space 3} 3.251922
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .5148471{col 33}{space 2} 1.093814{col 44}{space 1}    0.47{col 53}{space 3}0.638{col 61}{space 4}-1.629254{col 74}{space 3} 2.658948
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 1.066417{col 33}{space 2} 1.055452{col 44}{space 1}    1.01{col 53}{space 3}0.312{col 61}{space 4}-1.002486{col 74}{space 3} 3.135321
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 1.379109{col 33}{space 2} 1.087153{col 44}{space 1}    1.27{col 53}{space 3}0.205{col 61}{space 4}-.7519336{col 74}{space 3} 3.510152
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 1.124978{col 33}{space 2} 1.174441{col 44}{space 1}    0.96{col 53}{space 3}0.338{col 61}{space 4}-1.177168{col 74}{space 3} 3.427124
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 1.035084{col 33}{space 2} 1.073651{col 44}{space 1}    0.96{col 53}{space 3}0.335{col 61}{space 4}-1.069492{col 74}{space 3}  3.13966
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .6209986{col 33}{space 2} 1.095169{col 44}{space 1}    0.57{col 53}{space 3}0.571{col 61}{space 4}-1.525758{col 74}{space 3} 2.767755
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .8906328{col 33}{space 2} 1.076885{col 44}{space 1}    0.83{col 53}{space 3}0.408{col 61}{space 4}-1.220283{col 74}{space 3} 3.001548
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .0960277{col 33}{space 2} 1.064674{col 44}{space 1}    0.09{col 53}{space 3}0.928{col 61}{space 4}-1.990953{col 74}{space 3} 2.183008
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}  .173326{col 33}{space 2} 1.055147{col 44}{space 1}    0.16{col 53}{space 3}0.870{col 61}{space 4}-1.894979{col 74}{space 3} 2.241631
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} .9933476{col 33}{space 2} 1.164492{col 44}{space 1}    0.85{col 53}{space 3}0.394{col 61}{space 4}-1.289296{col 74}{space 3} 3.275991
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} .2565932{col 33}{space 2} 1.858267{col 44}{space 1}    0.14{col 53}{space 3}0.890{col 61}{space 4}-3.385992{col 74}{space 3} 3.899178
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *************************************
. **** Medium term (November-June) ****
. *************************************
. 
. reg payment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* i.t if t<=22 & t>=15, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    78,025
                                                {txt}F(98, 9805)       =  {res}    11.15
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.0719
                                                {txt}Root MSE          =    {res} 307.63

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}            payment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2}-1.002322{col 33}{space 2} 3.573978{col 44}{space 1}   -0.28{col 53}{space 3}0.779{col 61}{space 4}-8.008056{col 74}{space 3} 6.003412
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}-4.222505{col 33}{space 2} 3.584104{col 44}{space 1}   -1.18{col 53}{space 3}0.239{col 61}{space 4}-11.24809{col 74}{space 3} 2.803078
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .2446568{col 33}{space 2} .0218371{col 44}{space 1}   11.20{col 53}{space 3}0.000{col 61}{space 4} .2018516{col 74}{space 3} .2874619
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-1.123962{col 33}{space 2} 2.440111{col 44}{space 1}   -0.46{col 53}{space 3}0.645{col 61}{space 4}-5.907082{col 74}{space 3} 3.659158
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .6292134{col 33}{space 2} .0626496{col 44}{space 1}   10.04{col 53}{space 3}0.000{col 61}{space 4} .5064073{col 74}{space 3} .7520195
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0225674{col 33}{space 2} .0034633{col 44}{space 1}    6.52{col 53}{space 3}0.000{col 61}{space 4} .0157787{col 74}{space 3} .0293561
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} 14.16321{col 33}{space 2} .8013523{col 44}{space 1}   17.67{col 53}{space 3}0.000{col 61}{space 4} 12.59239{col 74}{space 3} 15.73403
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2} -7.59941{col 33}{space 2} 6.812129{col 44}{space 1}   -1.12{col 53}{space 3}0.265{col 61}{space 4}-20.95259{col 74}{space 3} 5.753767
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} 10.45738{col 33}{space 2} 7.905892{col 44}{space 1}    1.32{col 53}{space 3}0.186{col 61}{space 4}-5.039801{col 74}{space 3} 25.95455
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2} 5.096437{col 33}{space 2} 9.217464{col 44}{space 1}    0.55{col 53}{space 3}0.580{col 61}{space 4}-12.97169{col 74}{space 3} 23.16456
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-1.747707{col 33}{space 2} 7.357071{col 44}{space 1}   -0.24{col 53}{space 3}0.812{col 61}{space 4}-16.16908{col 74}{space 3} 12.67367
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.9033147{col 33}{space 2} 7.099986{col 44}{space 1}   -0.13{col 53}{space 3}0.899{col 61}{space 4}-14.82075{col 74}{space 3} 13.01412
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-5.649659{col 33}{space 2} 7.582685{col 44}{space 1}   -0.75{col 53}{space 3}0.456{col 61}{space 4}-20.51328{col 74}{space 3} 9.213966
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.7119838{col 33}{space 2}  8.37256{col 44}{space 1}   -0.09{col 53}{space 3}0.932{col 61}{space 4}-17.12393{col 74}{space 3} 15.69996
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} 1.833469{col 33}{space 2} 9.000375{col 44}{space 1}    0.20{col 53}{space 3}0.839{col 61}{space 4}-15.80912{col 74}{space 3} 19.47606
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-8.724907{col 33}{space 2} 7.044989{col 44}{space 1}   -1.24{col 53}{space 3}0.216{col 61}{space 4}-22.53454{col 74}{space 3} 5.084723
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2} -13.4724{col 33}{space 2} 6.680464{col 44}{space 1}   -2.02{col 53}{space 3}0.044{col 61}{space 4}-26.56748{col 74}{space 3}-.3773139
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-7.396395{col 33}{space 2} 11.38494{col 44}{space 1}   -0.65{col 53}{space 3}0.516{col 61}{space 4}-29.71322{col 74}{space 3} 14.92043
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-11.88427{col 33}{space 2} 6.442381{col 44}{space 1}   -1.84{col 53}{space 3}0.065{col 61}{space 4}-24.51266{col 74}{space 3} .7441253
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2} 3.024407{col 33}{space 2} 8.952527{col 44}{space 1}    0.34{col 53}{space 3}0.736{col 61}{space 4}-14.52439{col 74}{space 3} 20.57321
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-5.563111{col 33}{space 2} 6.796234{col 44}{space 1}   -0.82{col 53}{space 3}0.413{col 61}{space 4}-18.88513{col 74}{space 3} 7.758907
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2} -2.12619{col 33}{space 2} 8.723606{col 44}{space 1}   -0.24{col 53}{space 3}0.807{col 61}{space 4}-19.22625{col 74}{space 3} 14.97387
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}  -52.333{col 33}{space 2} 19.92691{col 44}{space 1}   -2.63{col 53}{space 3}0.009{col 61}{space 4}-91.39385{col 74}{space 3}-13.27216
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-24.59386{col 33}{space 2} 30.27564{col 44}{space 1}   -0.81{col 53}{space 3}0.417{col 61}{space 4}-83.94036{col 74}{space 3} 34.75263
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 8.656982{col 33}{space 2} 6.908516{col 44}{space 1}    1.25{col 53}{space 3}0.210{col 61}{space 4}-4.885133{col 74}{space 3}  22.1991
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 4.132197{col 33}{space 2} 9.956631{col 44}{space 1}    0.42{col 53}{space 3}0.678{col 61}{space 4}-15.38485{col 74}{space 3} 23.64924
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 4.377371{col 33}{space 2} 10.57857{col 44}{space 1}    0.41{col 53}{space 3}0.679{col 61}{space 4}-16.35881{col 74}{space 3} 25.11355
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-1.580297{col 33}{space 2} 7.647395{col 44}{space 1}   -0.21{col 53}{space 3}0.836{col 61}{space 4}-16.57076{col 74}{space 3} 13.41017
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 8.325443{col 33}{space 2} 7.705381{col 44}{space 1}    1.08{col 53}{space 3}0.280{col 61}{space 4} -6.77869{col 74}{space 3} 23.42958
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 5.094432{col 33}{space 2} 7.308363{col 44}{space 1}    0.70{col 53}{space 3}0.486{col 61}{space 4}-9.231464{col 74}{space 3} 19.42033
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 12.66271{col 33}{space 2} 6.920217{col 44}{space 1}    1.83{col 53}{space 3}0.067{col 61}{space 4}-.9023397{col 74}{space 3} 26.22776
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 8.363289{col 33}{space 2} 7.167816{col 44}{space 1}    1.17{col 53}{space 3}0.243{col 61}{space 4}-5.687107{col 74}{space 3} 22.41368
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2}  8.21219{col 33}{space 2} 6.944932{col 44}{space 1}    1.18{col 53}{space 3}0.237{col 61}{space 4}-5.401308{col 74}{space 3} 21.82569
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-2.267018{col 33}{space 2} 6.585282{col 44}{space 1}   -0.34{col 53}{space 3}0.731{col 61}{space 4}-15.17553{col 74}{space 3} 10.64149
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 2.003293{col 33}{space 2} 7.038708{col 44}{space 1}    0.28{col 53}{space 3}0.776{col 61}{space 4}-11.79403{col 74}{space 3} 15.80061
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .3707757{col 33}{space 2} 6.244351{col 44}{space 1}    0.06{col 53}{space 3}0.953{col 61}{space 4}-11.86944{col 74}{space 3} 12.61099
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-37.51671{col 33}{space 2} 24.74904{col 44}{space 1}   -1.52{col 53}{space 3}0.130{col 61}{space 4}-86.02993{col 74}{space 3}  10.9965
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} 3.234113{col 33}{space 2} 6.234636{col 44}{space 1}    0.52{col 53}{space 3}0.604{col 61}{space 4}-8.987058{col 74}{space 3} 15.45528
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} 48.80641{col 33}{space 2} 47.02965{col 44}{space 1}    1.04{col 53}{space 3}0.299{col 61}{space 4} -43.3814{col 74}{space 3} 140.9942
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-23.59162{col 33}{space 2} 18.94989{col 44}{space 1}   -1.24{col 53}{space 3}0.213{col 61}{space 4} -60.7373{col 74}{space 3} 13.55405
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.8902554{col 33}{space 2} 17.07393{col 44}{space 1}   -0.05{col 53}{space 3}0.958{col 61}{space 4}-34.35868{col 74}{space 3} 32.57817
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-25.19854{col 33}{space 2} 17.03615{col 44}{space 1}   -1.48{col 53}{space 3}0.139{col 61}{space 4} -58.5929{col 74}{space 3} 8.195819
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-3.382857{col 33}{space 2}  24.5852{col 44}{space 1}   -0.14{col 53}{space 3}0.891{col 61}{space 4}-51.57492{col 74}{space 3}  44.8092
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} 13.71754{col 33}{space 2} 18.47878{col 44}{space 1}    0.74{col 53}{space 3}0.458{col 61}{space 4}-22.50468{col 74}{space 3} 49.93977
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} -31.6335{col 33}{space 2} 18.10713{col 44}{space 1}   -1.75{col 53}{space 3}0.081{col 61}{space 4}-67.12721{col 74}{space 3} 3.860217
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-20.12273{col 33}{space 2} 15.07587{col 44}{space 1}   -1.33{col 53}{space 3}0.182{col 61}{space 4}-49.67453{col 74}{space 3} 9.429073
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} 20.22672{col 33}{space 2} 20.61006{col 44}{space 1}    0.98{col 53}{space 3}0.326{col 61}{space 4}-20.17324{col 74}{space 3} 60.62669
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-19.09185{col 33}{space 2} 15.01056{col 44}{space 1}   -1.27{col 53}{space 3}0.203{col 61}{space 4}-48.51563{col 74}{space 3} 10.33194
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-17.01192{col 33}{space 2} 15.44384{col 44}{space 1}   -1.10{col 53}{space 3}0.271{col 61}{space 4}-47.28502{col 74}{space 3} 13.26119
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-13.89353{col 33}{space 2} 14.82704{col 44}{space 1}   -0.94{col 53}{space 3}0.349{col 61}{space 4}-42.95758{col 74}{space 3} 15.17052
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 4.998757{col 33}{space 2} 22.58556{col 44}{space 1}    0.22{col 53}{space 3}0.825{col 61}{space 4}-39.27359{col 74}{space 3}  49.2711
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-44.30398{col 33}{space 2} 17.25281{col 44}{space 1}   -2.57{col 53}{space 3}0.010{col 61}{space 4}-78.12306{col 74}{space 3}-10.48491
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2} -5.76941{col 33}{space 2} 16.90328{col 44}{space 1}   -0.34{col 53}{space 3}0.733{col 61}{space 4}-38.90331{col 74}{space 3} 27.36449
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-2.558822{col 33}{space 2} 15.55451{col 44}{space 1}   -0.16{col 53}{space 3}0.869{col 61}{space 4}-33.04886{col 74}{space 3} 27.93121
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-11.85825{col 33}{space 2} 21.22997{col 44}{space 1}   -0.56{col 53}{space 3}0.576{col 61}{space 4}-53.47336{col 74}{space 3} 29.75686
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-28.22244{col 33}{space 2} 14.96821{col 44}{space 1}   -1.89{col 53}{space 3}0.059{col 61}{space 4}-57.56321{col 74}{space 3} 1.118327
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-23.92049{col 33}{space 2}  15.0524{col 44}{space 1}   -1.59{col 53}{space 3}0.112{col 61}{space 4} -53.4263{col 74}{space 3} 5.585314
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-24.21471{col 33}{space 2} 15.79157{col 44}{space 1}   -1.53{col 53}{space 3}0.125{col 61}{space 4}-55.16943{col 74}{space 3} 6.740016
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 25.30061{col 33}{space 2} 21.36754{col 44}{space 1}    1.18{col 53}{space 3}0.236{col 61}{space 4}-16.58417{col 74}{space 3}  67.1854
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-33.02565{col 33}{space 2} 17.77513{col 44}{space 1}   -1.86{col 53}{space 3}0.063{col 61}{space 4}-67.86857{col 74}{space 3} 1.817273
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-15.67499{col 33}{space 2} 15.83961{col 44}{space 1}   -0.99{col 53}{space 3}0.322{col 61}{space 4}-46.72389{col 74}{space 3} 15.37392
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 1.005095{col 33}{space 2} 17.19214{col 44}{space 1}    0.06{col 53}{space 3}0.953{col 61}{space 4}-32.69503{col 74}{space 3} 34.70522
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} 7.084643{col 33}{space 2} 20.61675{col 44}{space 1}    0.34{col 53}{space 3}0.731{col 61}{space 4}-33.32843{col 74}{space 3} 47.49772
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}  2.17387{col 33}{space 2} 18.00887{col 44}{space 1}    0.12{col 53}{space 3}0.904{col 61}{space 4}-33.12723{col 74}{space 3} 37.47497
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} 15.81282{col 33}{space 2} 19.49121{col 44}{space 1}    0.81{col 53}{space 3}0.417{col 61}{space 4}-22.39397{col 74}{space 3}  54.0196
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-16.71002{col 33}{space 2}  18.6375{col 44}{space 1}   -0.90{col 53}{space 3}0.370{col 61}{space 4}-53.24336{col 74}{space 3} 19.82333
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-35.96188{col 33}{space 2} 17.90759{col 44}{space 1}   -2.01{col 53}{space 3}0.045{col 61}{space 4}-71.06444{col 74}{space 3}-.8593074
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-23.48454{col 33}{space 2} 16.06013{col 44}{space 1}   -1.46{col 53}{space 3}0.144{col 61}{space 4} -54.9657{col 74}{space 3}  7.99662
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-7.709132{col 33}{space 2} 38.74344{col 44}{space 1}   -0.20{col 53}{space 3}0.842{col 61}{space 4}-83.65425{col 74}{space 3} 68.23598
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}-22.13094{col 33}{space 2}  16.2686{col 44}{space 1}   -1.36{col 53}{space 3}0.174{col 61}{space 4}-54.02075{col 74}{space 3} 9.758865
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-7.076081{col 33}{space 2} 16.41127{col 44}{space 1}   -0.43{col 53}{space 3}0.666{col 61}{space 4}-39.24555{col 74}{space 3} 25.09339
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} 12.70397{col 33}{space 2}  21.0957{col 44}{space 1}    0.60{col 53}{space 3}0.547{col 61}{space 4}-28.64794{col 74}{space 3} 54.05589
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.1629142{col 33}{space 2} 18.18963{col 44}{space 1}   -0.01{col 53}{space 3}0.993{col 61}{space 4}-35.81834{col 74}{space 3} 35.49251
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} 26.45094{col 33}{space 2} 19.99799{col 44}{space 1}    1.32{col 53}{space 3}0.186{col 61}{space 4}-12.74924{col 74}{space 3} 65.65111
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-4.427222{col 33}{space 2} 15.47778{col 44}{space 1}   -0.29{col 53}{space 3}0.775{col 61}{space 4}-34.76687{col 74}{space 3} 25.91242
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} 12.55211{col 33}{space 2} 21.58266{col 44}{space 1}    0.58{col 53}{space 3}0.561{col 61}{space 4}-29.75434{col 74}{space 3} 54.85856
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2} 46.85618{col 33}{space 2} 61.32018{col 44}{space 1}    0.76{col 53}{space 3}0.445{col 61}{space 4}-73.34399{col 74}{space 3} 167.0564
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-19.03213{col 33}{space 2} 15.81242{col 44}{space 1}   -1.20{col 53}{space 3}0.229{col 61}{space 4}-50.02773{col 74}{space 3} 11.96347
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-14.49057{col 33}{space 2} 17.31102{col 44}{space 1}   -0.84{col 53}{space 3}0.403{col 61}{space 4}-48.42373{col 74}{space 3} 19.44259
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-20.56501{col 33}{space 2} 15.59794{col 44}{space 1}   -1.32{col 53}{space 3}0.187{col 61}{space 4}-51.14019{col 74}{space 3} 10.01017
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} 6.584505{col 33}{space 2} 16.75954{col 44}{space 1}    0.39{col 53}{space 3}0.694{col 61}{space 4}-26.26765{col 74}{space 3} 39.43666
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-11.35258{col 33}{space 2} 21.67398{col 44}{space 1}   -0.52{col 53}{space 3}0.600{col 61}{space 4}-53.83804{col 74}{space 3} 31.13288
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}  4.38588{col 33}{space 2} 17.20877{col 44}{space 1}    0.25{col 53}{space 3}0.799{col 61}{space 4}-29.34685{col 74}{space 3} 38.11861
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 9.248455{col 33}{space 2} 16.40419{col 44}{space 1}    0.56{col 53}{space 3}0.573{col 61}{space 4}-22.90714{col 74}{space 3} 41.40405
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 20.97973{col 33}{space 2} 18.84115{col 44}{space 1}    1.11{col 53}{space 3}0.266{col 61}{space 4} -15.9528{col 74}{space 3} 57.91226
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 26.51322{col 33}{space 2} 26.83307{col 44}{space 1}    0.99{col 53}{space 3}0.323{col 61}{space 4}-26.08512{col 74}{space 3} 79.11155
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 2.757894{col 33}{space 2} 18.45598{col 44}{space 1}    0.15{col 53}{space 3}0.881{col 61}{space 4}-33.41962{col 74}{space 3} 38.93541
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-8.192384{col 33}{space 2} 17.36013{col 44}{space 1}   -0.47{col 53}{space 3}0.637{col 61}{space 4}-42.22182{col 74}{space 3} 25.83705
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}  11.0223{col 33}{space 2} 18.42069{col 44}{space 1}    0.60{col 53}{space 3}0.550{col 61}{space 4}-25.08604{col 74}{space 3} 47.13064
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-19.67793{col 33}{space 2}  15.5313{col 44}{space 1}   -1.27{col 53}{space 3}0.205{col 61}{space 4}-50.12248{col 74}{space 3} 10.76661
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} 4.987307{col 33}{space 2} 17.33414{col 44}{space 1}    0.29{col 53}{space 3}0.774{col 61}{space 4}-28.99118{col 74}{space 3} 38.96579
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2}-14.46666{col 33}{space 2} 4.336628{col 44}{space 1}   -3.34{col 53}{space 3}0.001{col 61}{space 4}-22.96735{col 74}{space 3}-5.965979
{txt}{space 16}17  {c |}{col 21}{res}{space 2}-22.46948{col 33}{space 2} 4.456088{col 44}{space 1}   -5.04{col 53}{space 3}0.000{col 61}{space 4}-31.20433{col 74}{space 3}-13.73463
{txt}{space 16}18  {c |}{col 21}{res}{space 2} -6.47886{col 33}{space 2} 4.339164{col 44}{space 1}   -1.49{col 53}{space 3}0.135{col 61}{space 4}-14.98452{col 74}{space 3} 2.026795
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-40.38738{col 33}{space 2} 4.173118{col 44}{space 1}   -9.68{col 53}{space 3}0.000{col 61}{space 4}-48.56755{col 74}{space 3}-32.20721
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-39.63482{col 33}{space 2} 4.327721{col 44}{space 1}   -9.16{col 53}{space 3}0.000{col 61}{space 4}-48.11804{col 74}{space 3} -31.1516
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-19.12748{col 33}{space 2} 4.288766{col 44}{space 1}   -4.46{col 53}{space 3}0.000{col 61}{space 4}-27.53435{col 74}{space 3}-10.72062
{txt}{space 16}22  {c |}{col 21}{res}{space 2} 18.14986{col 33}{space 2} 4.903659{col 44}{space 1}    3.70{col 53}{space 3}0.000{col 61}{space 4} 8.537679{col 74}{space 3} 27.76204
{txt}{space 19} {c |}
{space 14}_cons {c |}{col 21}{res}{space 2} 10.51808{col 33}{space 2} 17.28578{col 44}{space 1}    0.61{col 53}{space 3}0.543{col 61}{space 4}-23.36561{col 74}{space 3} 44.40176
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg lnpayment1 itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* i.t if t<=22 & t>=15, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    78,025
                                                {txt}F(98, 9805)       =  {res}    73.85
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1055
                                                {txt}Root MSE          =    {res} 2.4651

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}         lnpayment1{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0590309{col 33}{space 2} .0259424{col 44}{space 1}    2.28{col 53}{space 3}0.023{col 61}{space 4} .0081784{col 74}{space 3} .1098834
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0351204{col 33}{space 2} .0262323{col 44}{space 1}    1.34{col 53}{space 3}0.181{col 61}{space 4}-.0163003{col 74}{space 3} .0865411
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0008726{col 33}{space 2} .0000704{col 44}{space 1}   12.39{col 53}{space 3}0.000{col 61}{space 4} .0007346{col 74}{space 3} .0010106
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2} -.177271{col 33}{space 2}  .022716{col 44}{space 1}   -7.80{col 53}{space 3}0.000{col 61}{space 4}-.2217989{col 74}{space 3} -.132743
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0010431{col 33}{space 2} .0003064{col 44}{space 1}    3.40{col 53}{space 3}0.001{col 61}{space 4} .0004424{col 74}{space 3} .0016438
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-.0000429{col 33}{space 2} .0000136{col 44}{space 1}   -3.14{col 53}{space 3}0.002{col 61}{space 4}-.0000696{col 74}{space 3}-.0000161
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .2910239{col 33}{space 2} .0041818{col 44}{space 1}   69.59{col 53}{space 3}0.000{col 61}{space 4} .2828266{col 74}{space 3} .2992211
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1018618{col 33}{space 2} .0520164{col 44}{space 1}   -1.96{col 53}{space 3}0.050{col 61}{space 4}-.2038246{col 74}{space 3} .0001011
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0197237{col 33}{space 2} .0536341{col 44}{space 1}    0.37{col 53}{space 3}0.713{col 61}{space 4}-.0854102{col 74}{space 3} .1248576
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.0851481{col 33}{space 2} .0598257{col 44}{space 1}   -1.42{col 53}{space 3}0.155{col 61}{space 4}-.2024189{col 74}{space 3} .0321226
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0333108{col 33}{space 2} .0552795{col 44}{space 1}   -0.60{col 53}{space 3}0.547{col 61}{space 4}-.1416699{col 74}{space 3} .0750484
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0081829{col 33}{space 2} .0536534{col 44}{space 1}    0.15{col 53}{space 3}0.879{col 61}{space 4}-.0969888{col 74}{space 3} .1133545
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0233551{col 33}{space 2} .0594084{col 44}{space 1}   -0.39{col 53}{space 3}0.694{col 61}{space 4}-.1398079{col 74}{space 3} .0930977
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} -.077097{col 33}{space 2}   .06141{col 44}{space 1}   -1.26{col 53}{space 3}0.209{col 61}{space 4}-.1974733{col 74}{space 3} .0432793
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0476851{col 33}{space 2} .0562041{col 44}{space 1}   -0.85{col 53}{space 3}0.396{col 61}{space 4}-.1578567{col 74}{space 3} .0624864
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0118332{col 33}{space 2} .0556165{col 44}{space 1}   -0.21{col 53}{space 3}0.832{col 61}{space 4}-.1208531{col 74}{space 3} .0971866
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0964042{col 33}{space 2} .0566583{col 44}{space 1}   -1.70{col 53}{space 3}0.089{col 61}{space 4}-.2074661{col 74}{space 3} .0146577
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0957899{col 33}{space 2} .0709813{col 44}{space 1}   -1.35{col 53}{space 3}0.177{col 61}{space 4}-.2349278{col 74}{space 3}  .043348
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0557691{col 33}{space 2} .0521045{col 44}{space 1}   -1.07{col 53}{space 3}0.284{col 61}{space 4}-.1579047{col 74}{space 3} .0463666
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0723445{col 33}{space 2} .0594083{col 44}{space 1}   -1.22{col 53}{space 3}0.223{col 61}{space 4}-.1887971{col 74}{space 3} .0441081
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0414815{col 33}{space 2} .0571162{col 44}{space 1}   -0.73{col 53}{space 3}0.468{col 61}{space 4} -.153441{col 74}{space 3}  .070478
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0695435{col 33}{space 2} .0684495{col 44}{space 1}   -1.02{col 53}{space 3}0.310{col 61}{space 4}-.2037186{col 74}{space 3} .0646317
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}-.3834246{col 33}{space 2} .2099765{col 44}{space 1}   -1.83{col 53}{space 3}0.068{col 61}{space 4}-.7950217{col 74}{space 3} .0281725
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.2255065{col 33}{space 2} .3525796{col 44}{space 1}   -0.64{col 53}{space 3}0.522{col 61}{space 4}-.9166351{col 74}{space 3} .4656221
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .1364599{col 33}{space 2} .0475514{col 44}{space 1}    2.87{col 53}{space 3}0.004{col 61}{space 4} .0432494{col 74}{space 3} .2296704
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .2247843{col 33}{space 2} .0972568{col 44}{space 1}    2.31{col 53}{space 3}0.021{col 61}{space 4} .0341409{col 74}{space 3} .4154277
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0821237{col 33}{space 2} .0796324{col 44}{space 1}    1.03{col 53}{space 3}0.302{col 61}{space 4}-.0739722{col 74}{space 3} .2382195
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .0979633{col 33}{space 2} .0615078{col 44}{space 1}    1.59{col 53}{space 3}0.111{col 61}{space 4}-.0226046{col 74}{space 3} .2185313
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}  .074396{col 33}{space 2} .0593693{col 44}{space 1}    1.25{col 53}{space 3}0.210{col 61}{space 4}-.0419801{col 74}{space 3} .1907721
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .0947349{col 33}{space 2} .0536122{col 44}{space 1}    1.77{col 53}{space 3}0.077{col 61}{space 4}-.0103561{col 74}{space 3} .1998258
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .1360353{col 33}{space 2} .0518744{col 44}{space 1}    2.62{col 53}{space 3}0.009{col 61}{space 4} .0343507{col 74}{space 3} .2377199
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .0884996{col 33}{space 2} .0479701{col 44}{space 1}    1.84{col 53}{space 3}0.065{col 61}{space 4}-.0055317{col 74}{space 3} .1825308
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .0972007{col 33}{space 2} .0492507{col 44}{space 1}    1.97{col 53}{space 3}0.048{col 61}{space 4} .0006592{col 74}{space 3} .1937422
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .0447044{col 33}{space 2} .0507599{col 44}{space 1}    0.88{col 53}{space 3}0.378{col 61}{space 4}-.0547954{col 74}{space 3} .1442042
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0118736{col 33}{space 2} .0515802{col 44}{space 1}    0.23{col 53}{space 3}0.818{col 61}{space 4}-.0892342{col 74}{space 3} .1129815
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}  .037474{col 33}{space 2} .0463475{col 44}{space 1}    0.81{col 53}{space 3}0.419{col 61}{space 4}-.0533766{col 74}{space 3} .1283245
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2} .0182315{col 33}{space 2} .3216591{col 44}{space 1}    0.06{col 53}{space 3}0.955{col 61}{space 4}-.6122866{col 74}{space 3} .6487496
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .1115706{col 33}{space 2} .0472101{col 44}{space 1}    2.36{col 53}{space 3}0.018{col 61}{space 4}  .019029{col 74}{space 3} .2041122
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .0664044{col 33}{space 2}  .203242{col 44}{space 1}    0.33{col 53}{space 3}0.744{col 61}{space 4}-.3319919{col 74}{space 3} .4648006
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} -.123051{col 33}{space 2} .1908253{col 44}{space 1}   -0.64{col 53}{space 3}0.519{col 61}{space 4} -.497108{col 74}{space 3} .2510059
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} -.061839{col 33}{space 2} .1687706{col 44}{space 1}   -0.37{col 53}{space 3}0.714{col 61}{space 4}-.3926641{col 74}{space 3} .2689862
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} -.147091{col 33}{space 2} .1756403{col 44}{space 1}   -0.84{col 53}{space 3}0.402{col 61}{space 4}-.4913821{col 74}{space 3} .1972001
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .0186675{col 33}{space 2} .1912818{col 44}{space 1}    0.10{col 53}{space 3}0.922{col 61}{space 4}-.3562842{col 74}{space 3} .3936193
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}  .074751{col 33}{space 2} .1631206{col 44}{space 1}    0.46{col 53}{space 3}0.647{col 61}{space 4} -.244999{col 74}{space 3} .3945009
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.0372325{col 33}{space 2} .1827787{col 44}{space 1}   -0.20{col 53}{space 3}0.839{col 61}{space 4}-.3955164{col 74}{space 3} .3210513
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.0531836{col 33}{space 2} .1564491{col 44}{space 1}   -0.34{col 53}{space 3}0.734{col 61}{space 4}-.3598561{col 74}{space 3} .2534889
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .4500413{col 33}{space 2} .2100546{col 44}{space 1}    2.14{col 53}{space 3}0.032{col 61}{space 4} .0382911{col 74}{space 3} .8617914
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.2121792{col 33}{space 2} .1582767{col 44}{space 1}   -1.34{col 53}{space 3}0.180{col 61}{space 4}-.5224341{col 74}{space 3} .0980758
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.0734683{col 33}{space 2} .1559795{col 44}{space 1}   -0.47{col 53}{space 3}0.638{col 61}{space 4}-.3792203{col 74}{space 3} .2322836
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.0666234{col 33}{space 2} .1543704{col 44}{space 1}   -0.43{col 53}{space 3}0.666{col 61}{space 4}-.3692211{col 74}{space 3} .2359743
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}-.0405104{col 33}{space 2} .1832802{col 44}{space 1}   -0.22{col 53}{space 3}0.825{col 61}{space 4}-.3997773{col 74}{space 3} .3187566
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.0788166{col 33}{space 2}  .182142{col 44}{space 1}   -0.43{col 53}{space 3}0.665{col 61}{space 4}-.4358523{col 74}{space 3} .2782192
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.1963612{col 33}{space 2} .1725754{col 44}{space 1}   -1.14{col 53}{space 3}0.255{col 61}{space 4}-.5346445{col 74}{space 3} .1419221
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .0091204{col 33}{space 2} .1612969{col 44}{space 1}    0.06{col 53}{space 3}0.955{col 61}{space 4}-.3070549{col 74}{space 3} .3252956
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-.0591627{col 33}{space 2} .1890782{col 44}{space 1}   -0.31{col 53}{space 3}0.754{col 61}{space 4}-.4297949{col 74}{space 3} .3114695
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-.0197064{col 33}{space 2} .1576676{col 44}{space 1}   -0.12{col 53}{space 3}0.901{col 61}{space 4}-.3287673{col 74}{space 3} .2893546
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.0577584{col 33}{space 2} .1586564{col 44}{space 1}   -0.36{col 53}{space 3}0.716{col 61}{space 4}-.3687577{col 74}{space 3} .2532408
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .2819797{col 33}{space 2} .1824266{col 44}{space 1}    1.55{col 53}{space 3}0.122{col 61}{space 4}-.0756141{col 74}{space 3} .6395735
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2}-.0324657{col 33}{space 2} .1882417{col 44}{space 1}   -0.17{col 53}{space 3}0.863{col 61}{space 4}-.4014583{col 74}{space 3} .3365269
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.2648559{col 33}{space 2}  .174491{col 44}{space 1}   -1.52{col 53}{space 3}0.129{col 61}{space 4}-.6068942{col 74}{space 3} .0771824
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} .0284993{col 33}{space 2} .1648767{col 44}{space 1}    0.17{col 53}{space 3}0.863{col 61}{space 4}-.2946929{col 74}{space 3} .3516915
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}   .27799{col 33}{space 2} .1673499{col 44}{space 1}    1.66{col 53}{space 3}0.097{col 61}{space 4}-.0500502{col 74}{space 3} .6060303
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .0654936{col 33}{space 2} .1622774{col 44}{space 1}    0.40{col 53}{space 3}0.687{col 61}{space 4}-.2526036{col 74}{space 3} .3835908
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .2094002{col 33}{space 2}  .187442{col 44}{space 1}    1.12{col 53}{space 3}0.264{col 61}{space 4}-.1580247{col 74}{space 3} .5768251
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0958697{col 33}{space 2} .1680682{col 44}{space 1}    0.57{col 53}{space 3}0.568{col 61}{space 4}-.2335787{col 74}{space 3}  .425318
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.0476107{col 33}{space 2} .1714479{col 44}{space 1}   -0.28{col 53}{space 3}0.781{col 61}{space 4}-.3836839{col 74}{space 3} .2884625
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-.0434513{col 33}{space 2} .1962061{col 44}{space 1}   -0.22{col 53}{space 3}0.825{col 61}{space 4}-.4280556{col 74}{space 3} .3411529
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} .0682367{col 33}{space 2} .1664944{col 44}{space 1}    0.41{col 53}{space 3}0.682{col 61}{space 4}-.2581265{col 74}{space 3}    .3946
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-.0102968{col 33}{space 2}  .267574{col 44}{space 1}   -0.04{col 53}{space 3}0.969{col 61}{space 4}-.5347968{col 74}{space 3} .5142033
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}-.0131941{col 33}{space 2} .1696029{col 44}{space 1}   -0.08{col 53}{space 3}0.938{col 61}{space 4}-.3456506{col 74}{space 3} .3192624
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}  .065358{col 33}{space 2} .1646549{col 44}{space 1}    0.40{col 53}{space 3}0.691{col 61}{space 4}-.2573995{col 74}{space 3} .3881155
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .0704773{col 33}{space 2} .1644529{col 44}{space 1}    0.43{col 53}{space 3}0.668{col 61}{space 4}-.2518843{col 74}{space 3} .3928389
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .0398787{col 33}{space 2} .1607473{col 44}{space 1}    0.25{col 53}{space 3}0.804{col 61}{space 4}-.2752191{col 74}{space 3} .3549764
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .1290761{col 33}{space 2} .1723581{col 44}{space 1}    0.75{col 53}{space 3}0.454{col 61}{space 4}-.2087813{col 74}{space 3} .4669335
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.0699408{col 33}{space 2} .1559379{col 44}{space 1}   -0.45{col 53}{space 3}0.654{col 61}{space 4}-.3756113{col 74}{space 3} .2357297
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .0693098{col 33}{space 2} .1859878{col 44}{space 1}    0.37{col 53}{space 3}0.709{col 61}{space 4}-.2952646{col 74}{space 3} .4338841
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.2136899{col 33}{space 2} .3954699{col 44}{space 1}   -0.54{col 53}{space 3}0.589{col 61}{space 4}-.9888923{col 74}{space 3} .5615125
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.0713804{col 33}{space 2} .1631856{col 44}{space 1}   -0.44{col 53}{space 3}0.662{col 61}{space 4}-.3912579{col 74}{space 3}  .248497
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-.0047047{col 33}{space 2} .1668676{col 44}{space 1}   -0.03{col 53}{space 3}0.978{col 61}{space 4}-.3317996{col 74}{space 3} .3223902
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .0133302{col 33}{space 2} .1656025{col 44}{space 1}    0.08{col 53}{space 3}0.936{col 61}{space 4}-.3112849{col 74}{space 3} .3379453
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2}  .233611{col 33}{space 2} .1639333{col 44}{space 1}    1.43{col 53}{space 3}0.154{col 61}{space 4}-.0877321{col 74}{space 3} .5549541
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.2384543{col 33}{space 2} .1846696{col 44}{space 1}   -1.29{col 53}{space 3}0.197{col 61}{space 4}-.6004447{col 74}{space 3} .1235361
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.0660635{col 33}{space 2} .1742909{col 44}{space 1}   -0.38{col 53}{space 3}0.705{col 61}{space 4}-.4077095{col 74}{space 3} .2755825
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2}  .006414{col 33}{space 2} .1600413{col 44}{space 1}    0.04{col 53}{space 3}0.968{col 61}{space 4}-.3072999{col 74}{space 3} .3201279
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .1262239{col 33}{space 2} .1743914{col 44}{space 1}    0.72{col 53}{space 3}0.469{col 61}{space 4}-.2156191{col 74}{space 3} .4680669
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2}  .098645{col 33}{space 2} .2022753{col 44}{space 1}    0.49{col 53}{space 3}0.626{col 61}{space 4}-.2978561{col 74}{space 3} .4951462
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .0539692{col 33}{space 2} .1750485{col 44}{space 1}    0.31{col 53}{space 3}0.758{col 61}{space 4}-.2891618{col 74}{space 3} .3971003
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0846058{col 33}{space 2} .1827437{col 44}{space 1}    0.46{col 53}{space 3}0.643{col 61}{space 4}-.2736094{col 74}{space 3}  .442821
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .0854577{col 33}{space 2}  .173632{col 44}{space 1}    0.49{col 53}{space 3}0.623{col 61}{space 4}-.2548968{col 74}{space 3} .4258123
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.0319876{col 33}{space 2} .1670226{col 44}{space 1}   -0.19{col 53}{space 3}0.848{col 61}{space 4}-.3593863{col 74}{space 3} .2954111
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .2848066{col 33}{space 2} .1650753{col 44}{space 1}    1.73{col 53}{space 3}0.085{col 61}{space 4}-.0387749{col 74}{space 3} .6083881
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2} -.273801{col 33}{space 2} .0371029{col 44}{space 1}   -7.38{col 53}{space 3}0.000{col 61}{space 4}-.3465303{col 74}{space 3}-.2010716
{txt}{space 16}17  {c |}{col 21}{res}{space 2}-.3412555{col 33}{space 2} .0337293{col 44}{space 1}  -10.12{col 53}{space 3}0.000{col 61}{space 4} -.407372{col 74}{space 3}-.2751391
{txt}{space 16}18  {c |}{col 21}{res}{space 2}-.0734882{col 33}{space 2} .0341458{col 44}{space 1}   -2.15{col 53}{space 3}0.031{col 61}{space 4} -.140421{col 74}{space 3}-.0065555
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.6256335{col 33}{space 2} .0334628{col 44}{space 1}  -18.70{col 53}{space 3}0.000{col 61}{space 4}-.6912275{col 74}{space 3}-.5600394
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.6358407{col 33}{space 2} .0337697{col 44}{space 1}  -18.83{col 53}{space 3}0.000{col 61}{space 4}-.7020363{col 74}{space 3}-.5696451
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-.3359847{col 33}{space 2} .0339086{col 44}{space 1}   -9.91{col 53}{space 3}0.000{col 61}{space 4}-.4024525{col 74}{space 3}-.2695169
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .0621073{col 33}{space 2} .0347133{col 44}{space 1}    1.79{col 53}{space 3}0.074{col 61}{space 4}-.0059378{col 74}{space 3} .1301524
{txt}{space 19} {c |}
{space 14}_cons {c |}{col 21}{res}{space 2} 1.114158{col 33}{space 2} .1611961{col 44}{space 1}    6.91{col 53}{space 3}0.000{col 61}{space 4} .7981802{col 74}{space 3} 1.430135
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg paymentw itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* i.t if t<=22 & t>=15, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    78,025
                                                {txt}F(98, 9805)       =  {res}    17.69
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.0740
                                                {txt}Root MSE          =    {res} 219.24

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}           paymentw{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2}-.4401755{col 33}{space 2} 2.514699{col 44}{space 1}   -0.18{col 53}{space 3}0.861{col 61}{space 4}-5.369503{col 74}{space 3} 4.489152
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}-1.207248{col 33}{space 2} 2.611073{col 44}{space 1}   -0.46{col 53}{space 3}0.644{col 61}{space 4}-6.325489{col 74}{space 3} 3.910993
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}  .165125{col 33}{space 2} .0107371{col 44}{space 1}   15.38{col 53}{space 3}0.000{col 61}{space 4} .1440781{col 74}{space 3} .1861718
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-6.263915{col 33}{space 2} 1.870194{col 44}{space 1}   -3.35{col 53}{space 3}0.001{col 61}{space 4}-9.929881{col 74}{space 3}-2.597949
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .4677933{col 33}{space 2} .0340182{col 44}{space 1}   13.75{col 53}{space 3}0.000{col 61}{space 4} .4011105{col 74}{space 3}  .534476
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}  .010128{col 33}{space 2} .0019324{col 44}{space 1}    5.24{col 53}{space 3}0.000{col 61}{space 4} .0063402{col 74}{space 3} .0139159
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} 13.00605{col 33}{space 2} .4989115{col 44}{space 1}   26.07{col 53}{space 3}0.000{col 61}{space 4} 12.02808{col 74}{space 3} 13.98402
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-7.270427{col 33}{space 2} 5.077928{col 44}{space 1}   -1.43{col 53}{space 3}0.152{col 61}{space 4}-17.22421{col 74}{space 3} 2.683357
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} 8.611644{col 33}{space 2} 5.553354{col 44}{space 1}    1.55{col 53}{space 3}0.121{col 61}{space 4}-2.274073{col 74}{space 3} 19.49736
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2} 1.607087{col 33}{space 2} 6.087231{col 44}{space 1}    0.26{col 53}{space 3}0.792{col 61}{space 4}-10.32514{col 74}{space 3} 13.53931
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-1.517445{col 33}{space 2} 5.467224{col 44}{space 1}   -0.28{col 53}{space 3}0.781{col 61}{space 4}-12.23433{col 74}{space 3} 9.199439
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-2.721882{col 33}{space 2} 5.200029{col 44}{space 1}   -0.52{col 53}{space 3}0.601{col 61}{space 4}-12.91501{col 74}{space 3} 7.471246
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-2.603164{col 33}{space 2} 5.819407{col 44}{space 1}   -0.45{col 53}{space 3}0.655{col 61}{space 4} -14.0104{col 74}{space 3} 8.804072
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} .6106061{col 33}{space 2} 6.112238{col 44}{space 1}    0.10{col 53}{space 3}0.920{col 61}{space 4}-11.37064{col 74}{space 3} 12.59185
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-1.911686{col 33}{space 2} 5.425259{col 44}{space 1}   -0.35{col 53}{space 3}0.725{col 61}{space 4}-12.54631{col 74}{space 3} 8.722938
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-6.017454{col 33}{space 2} 5.313985{col 44}{space 1}   -1.13{col 53}{space 3}0.258{col 61}{space 4}-16.43396{col 74}{space 3} 4.399051
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-8.114211{col 33}{space 2}  5.30406{col 44}{space 1}   -1.53{col 53}{space 3}0.126{col 61}{space 4}-18.51126{col 74}{space 3} 2.282839
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-8.806543{col 33}{space 2}  7.31341{col 44}{space 1}   -1.20{col 53}{space 3}0.229{col 61}{space 4}-23.14233{col 74}{space 3} 5.529247
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-8.586082{col 33}{space 2} 4.948824{col 44}{space 1}   -1.73{col 53}{space 3}0.083{col 61}{space 4}-18.28679{col 74}{space 3} 1.114632
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.7143167{col 33}{space 2} 5.979464{col 44}{space 1}   -0.12{col 53}{space 3}0.905{col 61}{space 4} -12.4353{col 74}{space 3} 11.00666
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-3.044379{col 33}{space 2} 5.230215{col 44}{space 1}   -0.58{col 53}{space 3}0.561{col 61}{space 4}-13.29668{col 74}{space 3}  7.20792
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-4.954209{col 33}{space 2} 6.361597{col 44}{space 1}   -0.78{col 53}{space 3}0.436{col 61}{space 4}-17.42425{col 74}{space 3} 7.515831
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}-39.59419{col 33}{space 2} 17.53608{col 44}{space 1}   -2.26{col 53}{space 3}0.024{col 61}{space 4}-73.96851{col 74}{space 3}-5.219863
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-21.92993{col 33}{space 2} 21.30346{col 44}{space 1}   -1.03{col 53}{space 3}0.303{col 61}{space 4} -63.6891{col 74}{space 3} 19.82924
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 8.667957{col 33}{space 2} 4.497423{col 44}{space 1}    1.93{col 53}{space 3}0.054{col 61}{space 4}-.1479193{col 74}{space 3} 17.48383
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} 10.92455{col 33}{space 2} 8.186439{col 44}{space 1}    1.33{col 53}{space 3}0.182{col 61}{space 4}-5.122553{col 74}{space 3} 26.97166
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 8.595435{col 33}{space 2} 8.443256{col 44}{space 1}    1.02{col 53}{space 3}0.309{col 61}{space 4}-7.955086{col 74}{space 3} 25.14596
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} 1.758531{col 33}{space 2} 5.677803{col 44}{space 1}    0.31{col 53}{space 3}0.757{col 61}{space 4}-9.371131{col 74}{space 3} 12.88819
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 9.660816{col 33}{space 2} 5.914475{col 44}{space 1}    1.63{col 53}{space 3}0.102{col 61}{space 4}-1.932773{col 74}{space 3} 21.25441
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 4.199608{col 33}{space 2} 5.148294{col 44}{space 1}    0.82{col 53}{space 3}0.415{col 61}{space 4}-5.892109{col 74}{space 3} 14.29132
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 12.45085{col 33}{space 2} 5.097456{col 44}{space 1}    2.44{col 53}{space 3}0.015{col 61}{space 4} 2.458791{col 74}{space 3} 22.44292
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 5.576964{col 33}{space 2} 4.475722{col 44}{space 1}    1.25{col 53}{space 3}0.213{col 61}{space 4}-3.196372{col 74}{space 3}  14.3503
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} 9.828917{col 33}{space 2}  4.90475{col 44}{space 1}    2.00{col 53}{space 3}0.045{col 61}{space 4}  .214597{col 74}{space 3} 19.44324
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.4833328{col 33}{space 2} 4.755009{col 44}{space 1}   -0.10{col 53}{space 3}0.919{col 61}{space 4} -9.80413{col 74}{space 3} 8.837464
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 2.819573{col 33}{space 2} 4.955737{col 44}{space 1}    0.57{col 53}{space 3}0.569{col 61}{space 4}-6.894692{col 74}{space 3} 12.53384
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 1.955586{col 33}{space 2} 4.475122{col 44}{space 1}    0.44{col 53}{space 3}0.662{col 61}{space 4}-6.816575{col 74}{space 3} 10.72775
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-27.21699{col 33}{space 2} 15.09774{col 44}{space 1}   -1.80{col 53}{space 3}0.071{col 61}{space 4}-56.81166{col 74}{space 3} 2.377685
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} 4.310215{col 33}{space 2} 4.513317{col 44}{space 1}    0.95{col 53}{space 3}0.340{col 61}{space 4}-4.536815{col 74}{space 3} 13.15725
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} 12.73934{col 33}{space 2}  22.7425{col 44}{space 1}    0.56{col 53}{space 3}0.575{col 61}{space 4}-31.84064{col 74}{space 3} 57.31932
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} -20.6278{col 33}{space 2} 16.59723{col 44}{space 1}   -1.24{col 53}{space 3}0.214{col 61}{space 4}-53.16179{col 74}{space 3}  11.9062
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-3.579612{col 33}{space 2} 14.87404{col 44}{space 1}   -0.24{col 53}{space 3}0.810{col 61}{space 4}-32.73579{col 74}{space 3} 25.57657
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-28.19774{col 33}{space 2} 14.63094{col 44}{space 1}   -1.93{col 53}{space 3}0.054{col 61}{space 4}-56.87739{col 74}{space 3}  .481917
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-12.67723{col 33}{space 2} 17.74735{col 44}{space 1}   -0.71{col 53}{space 3}0.475{col 61}{space 4}-47.46569{col 74}{space 3} 22.11122
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} 8.171429{col 33}{space 2} 14.76708{col 44}{space 1}    0.55{col 53}{space 3}0.580{col 61}{space 4}-20.77509{col 74}{space 3} 37.11795
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-23.15936{col 33}{space 2} 16.05295{col 44}{space 1}   -1.44{col 53}{space 3}0.149{col 61}{space 4}-54.62644{col 74}{space 3} 8.307718
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-20.77928{col 33}{space 2} 13.44393{col 44}{space 1}   -1.55{col 53}{space 3}0.122{col 61}{space 4}-47.13217{col 74}{space 3} 5.573597
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} 20.39582{col 33}{space 2} 19.27224{col 44}{space 1}    1.06{col 53}{space 3}0.290{col 61}{space 4}-17.38173{col 74}{space 3} 58.17337
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-20.07458{col 33}{space 2} 13.41808{col 44}{space 1}   -1.50{col 53}{space 3}0.135{col 61}{space 4}-46.37679{col 74}{space 3} 6.227623
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-22.67641{col 33}{space 2} 13.34322{col 44}{space 1}   -1.70{col 53}{space 3}0.089{col 61}{space 4}-48.83188{col 74}{space 3} 3.479054
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-17.26902{col 33}{space 2} 13.17005{col 44}{space 1}   -1.31{col 53}{space 3}0.190{col 61}{space 4}-43.08503{col 74}{space 3} 8.547001
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}-1.693551{col 33}{space 2} 17.24519{col 44}{space 1}   -0.10{col 53}{space 3}0.922{col 61}{space 4}-35.49767{col 74}{space 3} 32.11056
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-39.44329{col 33}{space 2} 15.32099{col 44}{space 1}   -2.57{col 53}{space 3}0.010{col 61}{space 4}-69.47559{col 74}{space 3}-9.410994
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-12.22945{col 33}{space 2} 15.07733{col 44}{space 1}   -0.81{col 53}{space 3}0.417{col 61}{space 4}-41.78412{col 74}{space 3} 17.32523
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-2.090512{col 33}{space 2} 13.90718{col 44}{space 1}   -0.15{col 53}{space 3}0.881{col 61}{space 4}-29.35145{col 74}{space 3} 25.17042
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-18.19241{col 33}{space 2} 16.85946{col 44}{space 1}   -1.08{col 53}{space 3}0.281{col 61}{space 4}-51.24041{col 74}{space 3}  14.8556
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-29.30035{col 33}{space 2}  13.4912{col 44}{space 1}   -2.17{col 53}{space 3}0.030{col 61}{space 4}-55.74588{col 74}{space 3}-2.854823
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-23.37152{col 33}{space 2}  13.4679{col 44}{space 1}   -1.74{col 53}{space 3}0.083{col 61}{space 4}-49.77138{col 74}{space 3} 3.028343
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-26.52734{col 33}{space 2} 14.27752{col 44}{space 1}   -1.86{col 53}{space 3}0.063{col 61}{space 4}-54.51422{col 74}{space 3} 1.459533
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 16.09761{col 33}{space 2} 18.08246{col 44}{space 1}    0.89{col 53}{space 3}0.373{col 61}{space 4}-19.34774{col 74}{space 3} 51.54296
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-32.39486{col 33}{space 2} 15.07943{col 44}{space 1}   -2.15{col 53}{space 3}0.032{col 61}{space 4}-61.95365{col 74}{space 3}-2.836071
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} -15.5845{col 33}{space 2} 14.25704{col 44}{space 1}   -1.09{col 53}{space 3}0.274{col 61}{space 4}-43.53123{col 74}{space 3} 12.36223
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}-3.727736{col 33}{space 2} 14.34737{col 44}{space 1}   -0.26{col 53}{space 3}0.795{col 61}{space 4}-31.85153{col 74}{space 3} 24.39606
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-6.458387{col 33}{space 2} 14.10839{col 44}{space 1}   -0.46{col 53}{space 3}0.647{col 61}{space 4}-34.11373{col 74}{space 3} 21.19695
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} 3.690777{col 33}{space 2} 16.60753{col 44}{space 1}    0.22{col 53}{space 3}0.824{col 61}{space 4}-28.86341{col 74}{space 3} 36.24496
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} 10.19189{col 33}{space 2} 15.50224{col 44}{space 1}    0.66{col 53}{space 3}0.511{col 61}{space 4}-20.19569{col 74}{space 3} 40.57947
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-22.85472{col 33}{space 2} 14.99711{col 44}{space 1}   -1.52{col 53}{space 3}0.128{col 61}{space 4}-52.25213{col 74}{space 3} 6.542698
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-31.15754{col 33}{space 2} 15.70119{col 44}{space 1}   -1.98{col 53}{space 3}0.047{col 61}{space 4}-61.93511{col 74}{space 3}-.3799746
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-22.69431{col 33}{space 2} 13.95147{col 44}{space 1}   -1.63{col 53}{space 3}0.104{col 61}{space 4}-50.04207{col 74}{space 3} 4.653439
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-14.27458{col 33}{space 2} 26.94244{col 44}{space 1}   -0.53{col 53}{space 3}0.596{col 61}{space 4}-67.08731{col 74}{space 3} 38.53814
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}-26.82439{col 33}{space 2} 14.01088{col 44}{space 1}   -1.91{col 53}{space 3}0.056{col 61}{space 4} -54.2886{col 74}{space 3} .6398187
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-6.068238{col 33}{space 2} 14.43397{col 44}{space 1}   -0.42{col 53}{space 3}0.674{col 61}{space 4}-34.36179{col 74}{space 3} 22.22532
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} 4.423852{col 33}{space 2} 15.69763{col 44}{space 1}    0.28{col 53}{space 3}0.778{col 61}{space 4}-26.34673{col 74}{space 3} 35.19443
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-3.621869{col 33}{space 2} 14.56339{col 44}{space 1}   -0.25{col 53}{space 3}0.804{col 61}{space 4} -32.1691{col 74}{space 3} 24.92537
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} 18.00305{col 33}{space 2} 16.60049{col 44}{space 1}    1.08{col 53}{space 3}0.278{col 61}{space 4}-14.53732{col 74}{space 3} 50.54343
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-11.24912{col 33}{space 2} 13.49198{col 44}{space 1}   -0.83{col 53}{space 3}0.404{col 61}{space 4}-37.69618{col 74}{space 3} 15.19794
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-2.655901{col 33}{space 2} 15.92627{col 44}{space 1}   -0.17{col 53}{space 3}0.868{col 61}{space 4}-33.87467{col 74}{space 3} 28.56287
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}  29.2123{col 33}{space 2} 43.46087{col 44}{space 1}    0.67{col 53}{space 3}0.502{col 61}{space 4}-55.97995{col 74}{space 3} 114.4045
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-21.81123{col 33}{space 2} 13.90084{col 44}{space 1}   -1.57{col 53}{space 3}0.117{col 61}{space 4}-49.05974{col 74}{space 3} 5.437283
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-12.26661{col 33}{space 2} 14.70363{col 44}{space 1}   -0.83{col 53}{space 3}0.404{col 61}{space 4}-41.08875{col 74}{space 3} 16.55552
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-19.84258{col 33}{space 2} 14.16486{col 44}{space 1}   -1.40{col 53}{space 3}0.161{col 61}{space 4}-47.60862{col 74}{space 3} 7.923455
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} 6.524224{col 33}{space 2} 14.54735{col 44}{space 1}    0.45{col 53}{space 3}0.654{col 61}{space 4}-21.99157{col 74}{space 3} 35.04002
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-9.088116{col 33}{space 2} 17.04731{col 44}{space 1}   -0.53{col 53}{space 3}0.594{col 61}{space 4}-42.50435{col 74}{space 3} 24.32811
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-5.070673{col 33}{space 2} 15.19209{col 44}{space 1}   -0.33{col 53}{space 3}0.739{col 61}{space 4} -34.8503{col 74}{space 3} 24.70895
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 6.313018{col 33}{space 2} 13.98789{col 44}{space 1}    0.45{col 53}{space 3}0.652{col 61}{space 4}-21.10613{col 74}{space 3} 33.73216
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} 22.46823{col 33}{space 2} 16.44595{col 44}{space 1}    1.37{col 53}{space 3}0.172{col 61}{space 4} -9.76921{col 74}{space 3} 54.70567
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} 11.63433{col 33}{space 2} 19.05145{col 44}{space 1}    0.61{col 53}{space 3}0.541{col 61}{space 4}-25.71044{col 74}{space 3} 48.97909
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 5.909397{col 33}{space 2} 16.08784{col 44}{space 1}    0.37{col 53}{space 3}0.713{col 61}{space 4}-25.62608{col 74}{space 3} 37.44487
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} -10.6779{col 33}{space 2} 15.05151{col 44}{space 1}   -0.71{col 53}{space 3}0.478{col 61}{space 4}-40.18196{col 74}{space 3} 18.82616
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} 8.296341{col 33}{space 2} 15.59337{col 44}{space 1}    0.53{col 53}{space 3}0.595{col 61}{space 4}-22.26987{col 74}{space 3} 38.86255
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-19.91512{col 33}{space 2} 14.15141{col 44}{space 1}   -1.41{col 53}{space 3}0.159{col 61}{space 4}-47.65479{col 74}{space 3} 7.824548
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .5848919{col 33}{space 2} 14.41827{col 44}{space 1}    0.04{col 53}{space 3}0.968{col 61}{space 4}-27.67789{col 74}{space 3} 28.84768
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2} -9.92546{col 33}{space 2} 3.135875{col 44}{space 1}   -3.17{col 53}{space 3}0.002{col 61}{space 4}-16.07242{col 74}{space 3}-3.778499
{txt}{space 16}17  {c |}{col 21}{res}{space 2}-17.00872{col 33}{space 2}  2.98653{col 44}{space 1}   -5.70{col 53}{space 3}0.000{col 61}{space 4}-22.86293{col 74}{space 3} -11.1545
{txt}{space 16}18  {c |}{col 21}{res}{space 2}-.2011765{col 33}{space 2} 3.042539{col 44}{space 1}   -0.07{col 53}{space 3}0.947{col 61}{space 4} -6.16518{col 74}{space 3} 5.762827
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-32.78346{col 33}{space 2} 2.859674{col 44}{space 1}  -11.46{col 53}{space 3}0.000{col 61}{space 4}-38.38901{col 74}{space 3}-27.17791
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-33.26283{col 33}{space 2} 2.896333{col 44}{space 1}  -11.48{col 53}{space 3}0.000{col 61}{space 4}-38.94023{col 74}{space 3}-27.58542
{txt}{space 16}21  {c |}{col 21}{res}{space 2} -13.5717{col 33}{space 2} 3.039375{col 44}{space 1}   -4.47{col 53}{space 3}0.000{col 61}{space 4} -19.5295{col 74}{space 3}-7.613901
{txt}{space 16}22  {c |}{col 21}{res}{space 2} 15.41124{col 33}{space 2} 3.210245{col 44}{space 1}    4.80{col 53}{space 3}0.000{col 61}{space 4} 9.118495{col 74}{space 3} 21.70398
{txt}{space 19} {c |}
{space 14}_cons {c |}{col 21}{res}{space 2} 32.14596{col 33}{space 2} 14.15215{col 44}{space 1}    2.27{col 53}{space 3}0.023{col 61}{space 4} 4.404821{col 74}{space 3} 59.88709
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg cubepayment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* i.t if t<=22 & t>=15, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    78,025
                                                {txt}F(98, 9805)       =  {res}    54.63
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.0969
                                                {txt}Root MSE          =    {res} 3.0283

{txt}{ralign 85:(Std. Err. adjusted for {res:9,806} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}        cubepayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0532686{col 33}{space 2} .0317613{col 44}{space 1}    1.68{col 53}{space 3}0.094{col 61}{space 4}-.0089901{col 74}{space 3} .1155273
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0258456{col 33}{space 2} .0323521{col 44}{space 1}    0.80{col 53}{space 3}0.424{col 61}{space 4}-.0375712{col 74}{space 3} .0892625
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0015142{col 33}{space 2} .0001063{col 44}{space 1}   14.24{col 53}{space 3}0.000{col 61}{space 4} .0013058{col 74}{space 3} .0017226
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1845679{col 33}{space 2} .0269264{col 44}{space 1}   -6.85{col 53}{space 3}0.000{col 61}{space 4}-.2373492{col 74}{space 3}-.1317866
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0030585{col 33}{space 2} .0003949{col 44}{space 1}    7.75{col 53}{space 3}0.000{col 61}{space 4} .0022844{col 74}{space 3} .0038325
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} 9.79e-06{col 33}{space 2} .0000201{col 44}{space 1}    0.49{col 53}{space 3}0.626{col 61}{space 4}-.0000296{col 74}{space 3} .0000492
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3228931{col 33}{space 2} .0055238{col 44}{space 1}   58.45{col 53}{space 3}0.000{col 61}{space 4} .3120652{col 74}{space 3} .3337209
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1264655{col 33}{space 2} .0633644{col 44}{space 1}   -2.00{col 53}{space 3}0.046{col 61}{space 4}-.2506726{col 74}{space 3}-.0022583
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}  .051157{col 33}{space 2} .0666928{col 44}{space 1}    0.77{col 53}{space 3}0.443{col 61}{space 4}-.0795746{col 74}{space 3} .1818886
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.0685833{col 33}{space 2} .0747735{col 44}{space 1}   -0.92{col 53}{space 3}0.359{col 61}{space 4}-.2151547{col 74}{space 3}  .077988
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0392261{col 33}{space 2} .0680017{col 44}{space 1}   -0.58{col 53}{space 3}0.564{col 61}{space 4}-.1725234{col 74}{space 3} .0940712
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.0014398{col 33}{space 2} .0653408{col 44}{space 1}   -0.02{col 53}{space 3}0.982{col 61}{space 4}-.1295213{col 74}{space 3} .1266416
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0358663{col 33}{space 2} .0728783{col 44}{space 1}   -0.49{col 53}{space 3}0.623{col 61}{space 4}-.1787228{col 74}{space 3} .1069903
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.0742637{col 33}{space 2} .0752444{col 44}{space 1}   -0.99{col 53}{space 3}0.324{col 61}{space 4}-.2217583{col 74}{space 3} .0732309
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0489075{col 33}{space 2} .0690037{col 44}{space 1}   -0.71{col 53}{space 3}0.478{col 61}{space 4} -.184169{col 74}{space 3} .0863541
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0386251{col 33}{space 2} .0679663{col 44}{space 1}   -0.57{col 53}{space 3}0.570{col 61}{space 4}-.1718531{col 74}{space 3}  .094603
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.1290129{col 33}{space 2} .0684882{col 44}{space 1}   -1.88{col 53}{space 3}0.060{col 61}{space 4}-.2632638{col 74}{space 3}  .005238
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.1238762{col 33}{space 2} .0897013{col 44}{space 1}   -1.38{col 53}{space 3}0.167{col 61}{space 4}-.2997093{col 74}{space 3} .0519568
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0889312{col 33}{space 2} .0632746{col 44}{space 1}   -1.41{col 53}{space 3}0.160{col 61}{space 4}-.2129625{col 74}{space 3} .0351001
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0680401{col 33}{space 2} .0736105{col 44}{space 1}   -0.92{col 53}{space 3}0.355{col 61}{space 4}-.2123319{col 74}{space 3} .0762517
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0507532{col 33}{space 2} .0691453{col 44}{space 1}   -0.73{col 53}{space 3}0.463{col 61}{space 4}-.1862923{col 74}{space 3} .0847859
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2} -.078387{col 33}{space 2} .0830155{col 44}{space 1}   -0.94{col 53}{space 3}0.345{col 61}{space 4}-.2411144{col 74}{space 3} .0843404
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} -.525661{col 33}{space 2} .2453273{col 44}{space 1}   -2.14{col 53}{space 3}0.032{col 61}{space 4}-1.006553{col 74}{space 3} -.044769
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.2775702{col 33}{space 2} .4010948{col 44}{space 1}   -0.69{col 53}{space 3}0.489{col 61}{space 4}-1.063799{col 74}{space 3} .5086581
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .1656315{col 33}{space 2} .0577424{col 44}{space 1}    2.87{col 53}{space 3}0.004{col 61}{space 4} .0524444{col 74}{space 3} .2788185
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .2495192{col 33}{space 2} .1157541{col 44}{space 1}    2.16{col 53}{space 3}0.031{col 61}{space 4} .0226172{col 74}{space 3} .4764212
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}  .102939{col 33}{space 2} .0991499{col 44}{space 1}    1.04{col 53}{space 3}0.299{col 61}{space 4}-.0914153{col 74}{space 3} .2972932
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .0967855{col 33}{space 2} .0742263{col 44}{space 1}    1.30{col 53}{space 3}0.192{col 61}{space 4}-.0487132{col 74}{space 3} .2422843
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .1057289{col 33}{space 2} .0731168{col 44}{space 1}    1.45{col 53}{space 3}0.148{col 61}{space 4} -.037595{col 74}{space 3} .2490528
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .1076438{col 33}{space 2} .0652681{col 44}{space 1}    1.65{col 53}{space 3}0.099{col 61}{space 4}-.0202951{col 74}{space 3} .2355827
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .1768467{col 33}{space 2} .0634843{col 44}{space 1}    2.79{col 53}{space 3}0.005{col 61}{space 4} .0524044{col 74}{space 3}  .301289
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2}  .107345{col 33}{space 2} .0584362{col 44}{space 1}    1.84{col 53}{space 3}0.066{col 61}{space 4} -.007202{col 74}{space 3} .2218919
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .1317146{col 33}{space 2} .0606646{col 44}{space 1}    2.17{col 53}{space 3}0.030{col 61}{space 4} .0127995{col 74}{space 3} .2506297
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .0367849{col 33}{space 2} .0614475{col 44}{space 1}    0.60{col 53}{space 3}0.549{col 61}{space 4}-.0836649{col 74}{space 3} .1572347
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0204081{col 33}{space 2} .0629262{col 44}{space 1}    0.32{col 53}{space 3}0.746{col 61}{space 4}-.1029402{col 74}{space 3} .1437564
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .0414723{col 33}{space 2} .0566245{col 44}{space 1}    0.73{col 53}{space 3}0.464{col 61}{space 4}-.0695235{col 74}{space 3}  .152468
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.0714955{col 33}{space 2} .2569738{col 44}{space 1}   -0.28{col 53}{space 3}0.781{col 61}{space 4}-.5752172{col 74}{space 3} .4322261
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .1205067{col 33}{space 2} .0574026{col 44}{space 1}    2.10{col 53}{space 3}0.036{col 61}{space 4} .0079857{col 74}{space 3} .2330277
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .1291372{col 33}{space 2} .2699563{col 44}{space 1}    0.48{col 53}{space 3}0.632{col 61}{space 4}-.4000328{col 74}{space 3} .6583072
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.2101943{col 33}{space 2} .2307103{col 44}{space 1}   -0.91{col 53}{space 3}0.362{col 61}{space 4}-.6624339{col 74}{space 3} .2420454
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0781025{col 33}{space 2} .2029496{col 44}{space 1}   -0.38{col 53}{space 3}0.700{col 61}{space 4}-.4759254{col 74}{space 3} .3197205
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